Written on: 14/05/2013
I have accounts with a couple of UK high street banks and compared the co-op is terrible. Unlike with my other banks, you are unable to change your details, cannot select paperless statements, the layout is poor and not straight forward to use, to name but a few issues. Internet banking is suppose to be a useful tool, so that you can manage your banking at anytime of the day - the co-op online banking does not help with this. I would not recommend the co-op online banking service, I hope... (read more)
Written on: 13/05/2013 by Fishcalledwanda (1 review written)
Every time I need to make an online payment I am locked out and told I am entering incorrect details. I then have to phone and have been told there is a problem with the security machines they issue. Apparently a new one may or may not fix the problem - they don't know. Pretty poor if they are incapable of providing such a basic service. I will be moving my account to Metrobank ASAP. (read more)
Written on: 29/04/2013
I've just read the reviews & perhaps I'm just a dinasour, but I love the cooperative bank. I first starting banking with them abuot 38 years ago after being charged a ridiculous amount of bank charges by my existing bank, Barclays Bank. The incentive with the Coop was that as long as you stayed in credit then you would not be charged any bank charges. This I have done, and I converted my husnband to the Coop from Nat West, and he too was & renmains inmpressed. the internet banking is jusrt... (read more)
Written on: 29/04/2013
I find their international transfers rates absolutely ridiculous compared to other banks rates. For some reason they use an agent in their transfers and that alone is approx 35 GBP. Yes the bank makes mistakes, we all do, but you punish them by reporting them to the Ombudsman and claim compensation as per their guarantee "We promise not to make any financial errors on your statements." Also I have a dislike when using my Debit Card. There appears to be no block once you've given your card... (read more)
Written on: 22/04/2013
being disabled i have to use online banking and my debit card a lot as i cant get around.it takes them 4-5 days to update your balance so you have no chance of making any sense of it.your balance says you have say £100 in.so you try to pay a bill and get charged £15 for lack of funds.no wonder they can afford to buy other banks out.its us thats paying for it.not this man.ive just reported them to the finacial ombudsman and if i dont get the £300 charges ive paid this year im goin to rob... (read more)
Written on: 12/03/2013
This is the second time they have said account details are not valid so that I cannot log on. I am 100% certain they are so why are they all of a sudden not letting me in. Not impressed at all! Also unlike other banks I can't print off statements in the bank so Internet Banking is the only option for me to keep checks on my account. (read more)
Written on: 12/03/2013
I have three current accounts and recently opened up a Coop and to my horror its the most basic online bank account ever especially as we are in 2013. You don't get offers you can't increase/reduce overdraft no loan quotes no sign of anything just a balance and transfer option. Stay away as it that basic you think it hasn't loaded properly. (read more)
Written on: 06/02/2013 by barroomjohnny (1 review written)
Whilst I am sure that there are commendable aspects to the Cooperative Bank the online banking setup is not one of them. The bank seem unwilling to improve this in any significant way despite very vocal criticism of the service that has gone on ever since I can remember. It is not really not fit for any purpose and as many people have pointed out looks and feels like some child has developed the interface. Statements only go back for 6 months, you cannot even print out a list of payments... (read more)
Written on: 29/11/2012 by schloo (2 reviews written)
After business banking with HSBC I was in for a shock when experiencing business banking with the co-op. No dedicated account manager that I've ever been aware of. Customer service is non existent unless you know the magic pin code, both over the phone and in branch. Heaven forbid you should forget or lose that pin code. Requesting a new one can take weeks to process. The internet banking has the worst interface. The balance doesn't update in real time, you can't see future payments... (read more)
Written on: 21/11/2012
Internet banking is like a toy town version. The bank makes decisions about changing overdraft limits without telling the customer then charges for the privilege of correcting their arrogance. Unilateral changing of interest rates on credit card on spurious credit information. Completely incapable of responding to complaints. Don't know how this amateurish organisation has gained a reputation for good customer service. Utterly hopeless go elsewhere (read more)
Written on: 20/11/2012
I've just completed the switch, prompted (a) by the desire to be more ethical and (b) becuase i became annoyed with RBS for selling me products and trawling my account for sales opportunities. All has worked well - Direct Debits in place and being paid. BUT BUT BUT.. just tried their internet banking "service".. Hopeless and Hapless is all i can say. Seriously - in 2012 you have no option to download transactions?? Called Customer Services - "Oh - i've never heard of that before" - do they... (read more)
Written on: 21/10/2012
Don't even think of using their business accounts or on-line banking. They do not provide any way of linking credit slip payments with reports. Unlike every other bank I have ever used: credit slips are not individually numbered so you cannot easily trace individual payments and check what came from where. Not fit for purpose. I was going to move my business account to them but luckily discovered this just in time. (read more)
Written on: 06/10/2012
We have been waiting 1.5 months for online banking login details for our Small Business Federation Bank Account with the Co-op. The cheque books and deposit books nearly took a month to get to us. We need to see what is going on pay bills and staff online and it is just so frustrating. Obviously they are not looking at these reviews to make the changes. It said on our indroduction letter it was a quick and easy. We have had to ring in every few days to find out what is going on and even... (read more)
Written on: 03/09/2012 by sibob (1 review written)
I just changed to CO-OP bank, i like everything about them except the internet banking which is like stepping back in time. It's badly designed and has very poor functionality (no transaction download!!!!!). PLEASE sort it out co-op.... (read more)
Written on: 31/08/2012
Like others in this thread I wish there was negative rating. Avoid at all costs Besides the outdated interface and limited facilities, incredibly you cannot download your transactions in QIF, OFX or even a simple CSV! You cannot use any personal finance software to manage your account, other than try some online systems that take your password and log into your coop account. But these are just for "reading" and categorising transactions, due to the obvious security risks. Their business... (read more)
Written on: 29/08/2012 by truble66uk (1 review written)
Can't get passed this aspect. The site only gives a balance based on cleared transactions, no way to see the balance when pending transactions are taken into account. A recipe for overdrawing if you run your account close to the limit sometimes. Don't have any gripes with the rest of the functionality but this is enough to send me off back to my old bank. (read more)
Written on: 15/05/2012 by Frankw
Online banking is much easier they have recently updated their systems. Cash machine withdrawals appear the same day and direct debits are updated overnight around 2:00 am. You can pay in cash using your debit card and also make free cash withdrawals up to your daily limit, typically £250, at any Post Office. Most high street banks also accept ATM withdrawals without charge. Much improved IMO. (read more)
Written on: 06/06/2011
Being deaf I cannot use the phone. Try getting any sense out of this Bank if you encounter any problems. They will not reply to emails or any comments made on feedback They just give lists of telephone numbers where you can phone their friendly operators. I can read,write and sign but I cannor hear so none of this is any use to me. I made a mistake of using a wrong pin number after having my card stolen and replaced. They have now blocked my account and as I live in Spain I cannot even visit... (read more)
Written on: 18/03/2011 by ChrisCollison (2 reviews written)
Here's an example of just how bad they are.
Just logged into download the transactions from October 09 to October 10 for my company accounts. Nothing available from before January 14th 2010.
When they changed systems (and don't get me started on how appalling the "new" interface is) they didn't migrate the data.
My only option is to pay for 6 paper statements at £8 per statement.
After some protests, and beign told that there was "no point in speaking to anyone more senior", this was... (read more)
Written on: 04/03/2011
If I could give this badly designed, ill thought out product zero stars, I'd do just that. It's pretty obvious that the designers haven't actually used it, otherwise they'd pick up the obvious discrepancies between the instructions supplied and actual use pretty quickly. Waste of space, time and effort. :-( (read more)
Written on: 26/01/2011
I have been using the Coop bank for the last few months and although the customer service operators are polite and helpful, the online banking is awful!! It does not show your transactions until days later and it does not show your true balance. The whole point of having a online banking system is so you can keep an eye on your account and to see what your balance is? Even if you ring the bank and press 1 for your balance it just tells you the balance that is on the online statement and not... (read more)
Written on: 13/09/2010
As someone keen to get involved with ethical banking, I was very pleased when I moved to an area where there was a Co-Op bank and few years ago. After some research, I decided that I would move my banking over to them. I wish there were more online forums...
Having previously been with a well-known high-street bank that had seamlessly incorporated online banking into everyday life, I had, foolishly, assumed that this was the norm. A couple of years later and I am still incredibly annoyed at... (read more)
Written on: 23/07/2010
Cooperative bank online banking is cumbersome and awkward to use. The requirement of using a card reader to set up payments to other accounts is reasonable, but it forces me to use it to pay my own cooperative credit card bill, which is listed in online banking as one of my accounts! Ridiculous!
Bank account is OK, although they make mistakes. Internet banking is a joke. (read more)
Written on: 11/07/2010
Used to be reasonably OK until the card reader was brought in. Whose cracked idea was that!?
No other bank has such a stupid incumbrance to carry about and they all maintain adequate security. To be honest if they persist with the card reader, then another bank is where I'll be headed.
Written on: 05/07/2010
I think the Co-Ops online banking has been designed by the techies around what's easiest for them; it is a lousy customer offer, clunky and difficult to use and no thought put in to reflect what information people actually need.
For example, there is no running account balance as you look down the statements.
In addition if you have had an item unpaid there is no record of it, apart from the letters they send you. In order to understand what's actually happening in your account.
My... (read more)
Written on: 04/06/2010 by wizzardsblog (1 review written)
I have used the personal internet banking services for nearly 3 years and haven't encountered a single problem. You are warned well in advance of any maintenance that is due on the site. I would recommend this service to others if they already have a Co-Operative Bank Account.
It has a simple layout and is extremely easy to use. (read more)
Written on: 01/06/2010
This has to be without doubt the worst internet banking site there is and feel disgusted that the FSB are still recommending it. Most days the site is completely unusable and we end up using it late at night as this is the only time we seem to have any chance of it working. It crashes on a regular basis while entering transactions and then it's a lottery as to whether or not they've actually been processed. We've complained to both the bank and the FSB on numerous occasions, if new site... (read more)
Written on: 19/05/2010
the new card reader system to make payments is excessive, unworkable espeically if travelling. What a waste of time and effort in the so called name of security which is easily bypassed if you use the phone (read more)
Written on: 05/05/2010
With quite a fe others here, have been a business custoner for a number of years. The Internet banking is very bad, hardly ever works during business hours, since 2008 they have said they are getting a new system.. still not arived. Also there 14 day acc changed interest rate with the small notification on the statment, less interest than there normal account. Will be changing accounts shortly due to such poor service. (read more)
Written on: 26/04/2010
Everything you have read here is true. Ethical - perhaps? Competent for business? Not in a million years.
If I could give zero stars, I would.
Yet again, I can't acccess my account because of CORBA Errors - and my VAT return is due shortly. They tell me a new system is due, but I think that's a ploy to prevent business customers from slashing their wrists.
They even lost 2 weeks worth of transactions during the last data migration. Can you believe that? A regulated bank completely... (read more)
Written on: 10/04/2010
Well I've just been reading the reviews. Oh dear. I may have made a mistake in joining this bank. I joined quite a while ago but have only recently tried using the account with any effort. I've been with Santander for 30 years (Abbey National then Abbey now Santander). I am peed off with Santander because they stopped showing the BACS references making it a lot harder for me to track which customers had paid. So as an FSB member, I thought that I ought to join Co-op bank for the BACS... (read more)
Written on: 15/03/2010 by richyrichson (2 reviews written)
Hi its me again,just to let you all know that the COOP still havent paid me
the £5k they wrongfully took from my acct as they didnt check their notes on
the history of the standing order set up& then canceled.Iam so dissapointed with the way this has been handled that I will be closing all my accts,transfering ISAS/BONDS &
moving my MORTGAGE to a Bank that can look after our money.For a Bank whose
slogan is GOOD WITH MONEY it makes my blood boil every time i see it!They
for sure havent been... (read more)
Written on: 15/03/2010 by richyrichson (2 reviews written)
I have been a co-op customer for over thirty years.I have sveral actts and
have always conducted them properly.I have invested thousands of pounds over
the years as Im a firm believer in the ethics bit,but recently the cracks have started to appear in their operations.The 24 hr banking is a nightmare
to get on the phone,seems to keep you waiting & waiting costing you hard
earned cash at premium rate.Even worse than this just recently I set up a
standing order for 3payments to a Loft Company... (read more)
Written on: 01/03/2010
The online banking site fails too often to be usable. The server throws a 'Corba - out of resources' error whenever the site is busy. Several times I have not been able to pay bills because of it, which affects how I run my business.
Their password system is paranoid: you have to frequently change your password and not re-use old ones. I have numerous other passwords to remember and not write down - how many can one brain manage?
Apart from those two things, I suppose it is okay.. (read more)
Written on: 28/02/2010
the business internet banking site is a complete joke.. just a username and password required to log in, & username is set by them, and is.. wait for it.. my name.. it is without doubt, the worst ever website in the history of the internet, & offered as a suitable business account by the FSB, is truly shocking. It's so slow & clunky, that the words slow & clunky need to be redefined. If you run your own company, then don't touch them with a mile long barge pole, or even look in the co-ops... (read more)
Written on: 17/02/2010
I called the Coop Customer Services today to ask for guidance about this new reader device which had arrived, unsolicited, through my letter box.
I put it to CS that I did not consider I needed an extra layer of security and wished to use my customer rights to opt out of this scheme..
The reply I got was that there was no option for this scheme, I had to use it to perform future online transactions (not inter Coop account transfers).
So much for my customer rights. Of course it was 'for my... (read more)
Written on: 06/02/2010
I have banked with the Cooperative Bank for nearly 30 years and have used internet banking since it was first introduced. I have always received satisfactory service. The use of card reader took some getting used to. I do like to manage my accounts easily, swapping money around. Would recommed it. (read more)
Written on: 04/02/2010
i wouldn't trust these people to look after a a grain of sand let alone my money! (ironically they treat my money like they'd treat a handful of sand and let it slip through their fingers!)
they lie to me, lose my money and then ignore me when i complain. i don't think they are properly trained
i believed the platitudes about how they don't have shareholders and are there for their members benefit, about how they have no conflict of interests (!?!?!)
what garbage (read more)
Written on: 01/02/2010
This used to be excellent. However, since they introduced this ridiculous cooperative card reader device, it is now impossible to do any useful transactions without your actual debit card and the actual card reader being physically present.
Given that the whole point of internet banking is to enable you to log on from a number of places and make transactions, this just makes a mockery of the whole system. It had actually made me consider switching banks to get a more useable internet... (read more)
Written on: 27/01/2010
Avoid like the plague. If you value your business and don't wish to lose all your staff and suppliers becuase you have failed to pay them on time; then the Cooperative Business Bank is NOT for you. INternent banking on the buseist day of the month has been so slows all day and finally gave up the ghost and went off line 5.30. No explanation - no service banner, nothing.
Cooperative means runs fo the benefit of their totally useless staff and sod the customer. (read more)
Written on: 27/01/2010
Useless... I cannot believe in this day and age that the Co-op has a Business Internet Banking service that may as well not exist. It can not in any aspect be described as fit for purpose. Truly unbelievable... I wish I had known beforehand - I would have set up my account with another Bank - and that is exactly what I am now about to do. (read more)
Written on: 23/12/2009
It promised much to the company but delivers little.Is not geared fo business use.Wastes hours of company time, which is money trying to make payments. Drops out halfway through a transaction. The helpline telephone number on the site is wrong. You can't get through anyway. OK, so ia have to be paid overtime to come in at 8am or stay til 7.30pm.
Please get your act together! (read more)
Written on: 07/11/2009
Been with the Co-op since 1996. Their Business Banking for about 8 years has been diabolical. Very often it doesn't work at all. At best it is slow. I have received MANY "Service awards" of £25. Avoid like the plague ! (read more)
Written on: 03/11/2009 by gazbogazbo (1 review written)
Similar to all the other reviews I am in disbelief at the awfulness of the Co op banks internet banking.
Just some of my gripes:
-I am regularly unable to log on to my account out of business hours, unbelievable
-I regularly get errors that throw me out of the account
-I try it on all browsers and it is awful on all of them
-It is clunky and feels like a student has programmed it and it is still in a beta testing stage as it is so basic compared to all the other banks
I wrote to the... (read more)
Written on: 26/10/2009
I've been a business customer for over a year. The website is truly pathetic and archaic - see comments above. I love their ethics, but despise their website. If you need speedy access - stay well clear. (read more)
Written on: 19/10/2009
I'm a business customer of the co-op and I am appalled at their poor policies, obnoxious staff and find it incredible that they force customers to use their premium rate phone lines to resolve issues.
Their internet banking security poilcy forces customers to frequently change passwords (thats when it does work) and if you don't login to your account you get blocked out and have to ring a premium phone nuber 0870.
After waiting 6 mins (at 10p per minute), i gave up and rang their 0845... (read more)
Written on: 29/09/2009
I use the Co-op for internet business banking.
The system constantly crashes with 'Corba' no resource errors after I have entered things like payment details - very frustrating.
The site is painfully slow and I once had to complain because when I logged in I saw details of another persons bank account.
Avoid at ALL costs. (read more)
As rated by real users
"Logging on " Read More
"I want to like them but unfort..." Read More
"Excellent service" Read More
"Impersonal service" Read More
"So basic, not useful, frustrating" Read More