They have now made it impossible for me to use as I cannot get a report of transactions for the last 3 months. I can pick start and end date but all I get it the last months transactions. Given that VAT is done on quarterly basis you'd have thought it would be readily available query. Spent far too long trying this and there is not way to chat to them online. Cannot phone anyone about this because last time I tried I gave up waiting. Going to move banks asap!

You will wait absolutely ages to get through to the customer services. Very frustrating as we cannot access our business account. I need to find what customers have paid us. Whenever you ring them expect to wait over an hour

Business Account - Spent the last 90mins trying to obtain a Transaction Report for a current account without success. There appears to be no Help on the site (after login). Thankfully, I will be moving my account shortly. Useless!

Co-op online banking is impossible to use unless you’re from the actual past where slow, frustrating interfaces that did absolutely nothing were par for the course. Here in the 2019 we’re trying to get on with our lives and make use of internet banking in a way that doesn’t make us cry and want to set our own heads on fire.

I am already a co-op account holder but we needed a business account for our freehold management company. We sent in all the application material but there was apparently a problem with it. AFter 3 attempts to get the correct information to them - I suspect there may be some sort of black hole in their account opening office - they have finally confirmed receipt of our documents. I was then told by the less than helpful young man on the phone that we had gone to the bottom of the pile and that they would get to our account in due coures after that it might be another 20 days before our account is open. Previsou to this I have literally spent hours on the phone to trying to establish where we were with the appication and trying to track down our missing paperwork. I guess by the time we have an account it will be around 2 months from the date of application or am I being slightly opimtistic here. Less than satisfactory!

I have given up on the application process for the coop business bank account after experiencing awful customer service. I have been waiting 6 weeks for my application to be processed, despite completing all the documentation and responding to their requests within 1 working day. They hide behind process and do not communicate at all, whether that be by phone, email or post. Even now, I have not received a single communication from them and have had to chase everything, calling every 2 days on average. The staff are unprofessional and simply do not understand the needs of their customers. I have cancelled my "ongoing" application and am just glad that I don't have to bank with them going forward. Please avoid at all costs..........

Having banked with Co-op for 4 years I am now in the process of switching away. As my business has now grown I have the need to open both a client account and a business savings account. My existing account is in credit and i do not seek any credit facilities. I was given mixed information from the co-op at all stages as to the status of my application - from being told they required another signature (turned out not to be the case) to one of your applications has been accepted and the other has been declined to one has been declined and one has not yet been reviewed. On all occasions I had to do the chasing to get answers. I appealed the decision and had no response to my 'declined' application and I have now cancelled my under review application and have arranged to switch my existing account to the RBS - who provide a friendly business manager, who genuinely assists you with growing your business. All banks have red tape to go through but the Co-Op application process requires the completion vast amounts of repetitive paperwork (despite these accounts all linking to my existing) There is a severe lack of assistance for small businesses. Only point of contact is via a call center which is purely functional. I was told an account manager is only available when account has £1m or more turnover. They advertise their accounts as having lower fees etc, however if indeed this is true it is worth paying any extra for a bank that provides assistance and advice to small businesses. The internet banking facility is somewhat primitive. Don't waste your time with the co-op, bank with someone else.

I am currently going through the account opening procedure with Co-operative Bank Business Accounts. The process is incredibly slow. Emails are not looked at for several days, and no responses are sent to emails to acknowledge receipt. Staff are so concerned with procedure that they think this is normal. This is all very frustrating when I'm setting up a business, and cashflow is critical.

Joined through the FSB for free banking. My, how I wish we hadn't bothered. The online banking system is like some kind of disastrous stock control system from the mid-90s. There's no mobile app, and if you set up an "immediate" payment after 5pm it takes several DAYS to get there. Misleading statement screens only show four transactions and don't update after you make a payment. Awful login system with stupid security token. We complained to the FSB who said they would consider removing their endorsement - not a moment too soon. Meanwhile, we are switching back to our old bank.

Their website is shamefully bad. Archaic! Also I rang them today as a direct debit I had cancelled has been taken. The guy I spoke to made no effort to check for me that I'd cancelled it. He told me he had no access to my online account which I found incredible. He just told me to call the recipient and ask for a refund. When I complained that he should be able to confirm whether or not it was cancelled he said he would speak to a technician who said it had not been cancelled. Strange that online I can see that the recipient has been removed from the list of beneficiaries so it sounds like the process was started but not completed.Wish I'd stayed with Santander!

Took me nearly 3 months to get a debit card and token. Got my name wrong on all cheque books, tried to sort several times on phone just took forever and complicated paying for things which I ended up using my personal account for which will make it very complicated come tax return time. I joined them for ethical reasons and free business banking for 18months - but since the ethical side is now questionable as its not really in their own hands anymore and once my free banking has run out I'll be like a rat out of an aquaduct! Online banking is not user friendly at all.... if you are paying for your account I would go elsewhere.

I run a small Community Interest Company and have a Coop Account to service that business. Coop operate a weekday only service, I do most of my banking at the weekend. For the last three weekends I have been unable to access my account - there has been explanation why this is so. As a result I have had to take time of work on money, go through the lengthy sercurity checks to speak to CS only to find they have no idea why my account is blocked. The telephone banking service is cumbersome and unhelpful. This all contrasts very strongly will my Coop Personal Accounts. I plan to close this account and take my business elsewhere asap!

I run an internet business and part of this involves buying internet services from companies in the USA. All too often, my debit card is blocked by Co-Op's fraud prevention dept. I then have to phone them up and invariably am put on hold until the call is answered. Like their online user interface, their telephone banking is hopeless. You first have to enter your account details and security code to be put through the the correct department. Then when they eventually answer the call, you have to do it all again only verbally! As well as blocking my business debit card on a regular basis the online service looks like something crafted in the late nineties. It's awkward to use and lots of functionality available elsewhere is absent or simnply does not work. This is an awful, awful bank service and please, I beg you not to open an account with them - you'll chew your nails, pull out your hair and throw heavy objects across your office on a regular basis. The FSA should be ashamed of their partnership with Co-op. No doubt another chummy 'strategic alliance' hatched up by the execs on the golf courses of Lancashire (FSA is based in Blackpool and Co-Op in oh-so-near Manchester). Avoid, avoid, avoid! We've just transferred to HSBC, a much better service and seems best of a bad bunch - nice integration with Xero online accounts saving time (and money).

Joined on the basis of their ethical stance leaving to go to another ethical bank (Triodos) which I use at work and is simply 100 times better for online banking. CoOp's business banking online is hopeless, difficult to navigate, slow, prone to freezing, with hardly any worthwhile features. If they were even nearly as good as the opposition I would stay with them but they ain't!