Banner for The Co-operative Bank

The Co-operative Bank Reviews 

20,072
TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 6,101 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff and branch members for being exceptionally helpful, patient, and knowledgeable when answering queries. People also find the online banking platform and overall financial services very straightforward, honest, and easy to use. Consumers often mention that customer service representatives consistently go above and beyond to provide top-tier support. However, some reviewers were not happy with strict security checks, complicated verification questions, or difficult account switching processes. A few consumers also noted that these payment verification steps, unexpected delays, and temporary account blocks caused considerable frustration.

What people talk about most

Staff

People report positive experiences with staff, highlighting their helpfulness, patience, and professionalism... See more

Customer service

Customers consistently note positive experiences with customer service, praising staff for being supportive,... See more

Service

Reviewers mention positive feedback about service, expressing overall satisfaction and appreciation for the... See more

User experience

Reviewers highlight positive aspects of user experience, noting that the app and online interface are very... See more

Payment

Customers had ambiguous experiences with payment. While some reviewers praised the robust security measures... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I was contacted by the bank as they didn't recognise a transaction made. I was thankful for their diligence. This was a bona fide payment but I'm glad they checked as it was a fairly large payment. We... See more

Company replied

Rated 5 out of 5 stars

I visited the Co-operativebank in Hanley. On arrival I was greeted straight away as I walked through the door by a lady called Alison ( very professional ) I had an issue with my banking app... See more

Company replied

Rated 5 out of 5 stars

Excellent efficiency. Savings accounts, interest, fees, maturation details, all handled most knowledgeably. I chose Coop Bank years ago for its ethical policy and the customer service is the best.... See more

Company replied

Rated 5 out of 5 stars

I could not cope with the complicated security questions online when applying for my new account. I telephoned customer services and a Branch member of staff helped me over the phone. She kindly sent... See more

Company replied


Company details

  1. Bank

About The Co-operative Bank

Written by the company

Founded in 1872 and born from the co-operative movement, co-operative values continue to be a fundamental part of everything we do.

In 1992, we were the UK’s first bank to introduce a customer-led Ethical Policy, which empowers us to make a real positive difference to the world around us.

We believe it's our duty to stand up for the issues that matter to our customers and which bind our colleagues, customers and partner organisations together.

Because unlike a lot of businesses, we haven’t just developed an ethical approach — we’ve had one from the very start.

Ethical then, now and always.

Contact info

Join a bank that shares your values

Over 150 years of putting ethics into action

4.5

Excellent

TrustScore 4.5 out of 5

20K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(20,072)

5,637 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Fast, professional and friendly advice.

I used the 159 service to place a call with Smile's fraud team after receiving what I thought were scam messages about my account. I received prompt, professional and friendly help, was taken seriously and listened to carefully. All the issues were resolved and I had lots of opportunities to ask questions and get all the information I needed. It was a huge relief to get straight through to a person who could help me, rather than battling scripted menus that don't have the option needed. Excellent service.

August 23, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear about your positive experience with our fraud team. It's wonderful that you received prompt, professional, and friendly help, and that all your issues were resolved. We're glad we could provide clear information and a direct line to assistance. -Emma

Rated 5 out of 5 stars

Excellent customer service and easy…

Excellent customer service and easy online banking service

August 24, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We are so pleased to hear you had such a positive experience with our customer service and found our online banking easy to use. Thank you for sharing your feedback with us! - Emma

Rated 5 out of 5 stars

I recently visited Southend branch and…

I recently visited Southend branch and found the staff very pleasant and helpful.

August 21, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear that our team at the Southend branch was pleasant and helpful during your visit. Thank you for your wonderful feedback! - Emma

Rated 1 out of 5 stars

Terrible app, terrible bank

Terrible app, abysmal lack of customer service (I've been a customer for far too long and endured their shabby standards for too long). Honestly, they make it impossible to get the help you need. And forget a fair interest rate, other banks manage to maintain 5% and pay interest daily, but Smile will leave you with a frown. I'm done with them.

This review is about my experience with them over decades, everything from issues finding and accessing benefits, to ever decreasing interest rates and a badly designed app. They will likely try to invalidate this as I have not bothered to raise another issue with them, instead I just instructed them to close my account. Let's see if TrustPilot can be trusted to keep my review or, if they are more interested in proping up poor businesses.

August 24, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hello Graham, we are truly sorry to hear about your extremely frustrating experience over the decades and that you've decided to close your account. We understand your disappointment with our app, customer service, and interest rates.

I've tried to call you this morning but been unable to connect to the number you've left. We will try again this afternoon. - Emma

Rated 5 out of 5 stars

Over and above the call of duty! 👌👏😃

I’m an elderly man with tinnitus and hard of hearing. Handling my fraud case this morning was a familiar voice of the most patient, understanding and helpful young woman named Kacy who was able to communicate extremely well, speaking slowly enough and clearly she really gave the best experience in the face of my difficulties and problems. I remembered her helpful voice from a few similar problems in the past and would recommend her and others in this caring bank to anyone! 👌👌👌

August 24, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear about your positive experience with our team member. It's wonderful that she was able to provide such patient, understanding, and clear communication, especially given your difficulties. We appreciate you recognizing her excellent service. -Emma

Rated 5 out of 5 stars

Stacey was very helpful and friendly

Stacey was very helpful and friendly, just a shame so many details have to be read out and harvested as part of the process (e.g. why do you need to know how long I have been in my job, how long I have lived in my house, whether I have a mortgage or not etc?)

August 24, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We appreciate your feedback and are glad Stacey provided excellent service. We understand your concerns about the information requested; these details help us ensure we offer the most suitable options for your needs. -Emma

Rated 5 out of 5 stars

Great telephone switching server and…

Great telephone switching server and service. Great to have dedicated bank advisor.

July 29, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear you've had a great experience with our telephone service and appreciate having a dedicated bank advisor. Thank you for your wonderful feedback! -Emma

Rated 5 out of 5 stars

Effortlessly opened a new account with…

Effortlessly opened a new account with help from Stacey, friendly as well as very professional in doing what was requested from her, and an asset to the coop bank

August 24, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi, it's great to hear that you had such a positive experience opening your new account. It's wonderful to know our colleague was friendly and professional. Thank you for your kind feedback!- Michelle

Rated 5 out of 5 stars

Very happy

I use online banking. The system is very easy to use. I'm very happy with it.
This past week the Co-op alerted me to a scam on my account - someone was using my details to try to withdraw money illegally. The matter was dealt with promptly. No money was lost. The Co-op person I spoke to was helpful, supportive and very efficient.

August 24, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Carolyn, we're so pleased to hear you find our online banking easy to use and that our team was able to promptly and efficiently assist you with the scam attempt, ensuring no money was lost. Thank you for your positive feedback.- Michelle

Rated 5 out of 5 stars

Not being technically able I found this…

Not being technically able I found this process of applying somewhat challenging. However you were patient and eventually we got through the process. I was grateful that you did not abandon the transition and persevered to completion.

July 15, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Geoffrey. We're pleased to hear that despite the initial challenges, we were able to assist you through the process. We appreciate your patience and are glad we could persevere to completion. Thanks - Claire.

Rated 5 out of 5 stars

I have been a customer for many many…

I have been a customer for many many years. I can honestly say that I have had superb customer service throughout the many, many years I have been with this bank.

August 23, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Angela. We are absolutely delighted to hear about your many years of superb customer service. Thank you for your continued loyalty and for sharing your positive experience with us - Claire.

Rated 5 out of 5 stars

Excellent customer service Banking!

The customer service for the coop bank was excellent! They guided me through the whole process of switching my account over! I would most certainly recommend this company!

August 23, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi John. We're so pleased to hear about your excellent experience with our customer service! It's wonderful that our team guided you through the account switching process. Thank you for your recommendation - Claire.

Rated 5 out of 5 stars

I have been with the Cooperative Bank…

I have been with the Cooperative Bank for many years and I would not go any where else. I know my account is safe and if I suspect fraudulant activity they respond immediatly. I get regular up dates on security. They give plenty of notice if the APP will not be available during certain times and customer service is excellent in my experience

August 13, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Andres. We are so pleased to hear about your long-standing positive experience with us and how safe you feel your account is. It's wonderful that our security updates and customer service have met your expectations. Thank you for your kind words! - Claire.

Rated 5 out of 5 stars

I have banked with the Co-Op since 1983

I have banked with the Co-Op since 1983. They are an ethical bank. I have always found them to be customer focused and efficient. I have other bank accounts but the Co-Op is and always has been my personal bank and I will never change. I have never found another bank as good as the Co-Op.

August 23, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Frances. We're so pleased to hear about your long-standing positive experience with us since 1983. It's wonderful that you've always found us to be customer-focused and efficient, and we appreciate your loyalty - Claire.

Rated 4 out of 5 stars

“The account opening process was simple…

“The account opening process was simple and straightforward. The website was easy to use, and everything was clear.”

August 7, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Damir. We're so happy to hear that you had such a positive experience with our account opening process and found our website easy to navigate. Thank you for your feedback - Claire.

Rated 5 out of 5 stars

Staff were friendly and knowledgeable

Staff were friendly and knowledgeable. The waiting time to be seen was acceptable and the young lady who assisted was able to sort out the tasks needed that I was unable to achieve.

August 20, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Pravina. We're so pleased to hear that our staff were friendly and knowledgeable. It's wonderful that the waiting time was acceptable and that our team could sort out the tasks you needed. Thanks - Claire.

Rated 5 out of 5 stars

Just opened a savings account with the…

Just opened a savings account with the Coop Bank. It was efficient, speedy and straightforward. What's not to like? If only...

August 23, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Dawn. We're so pleased to hear that opening your savings account was an efficient, speedy, and straightforward experience. We appreciate you sharing your positive feedback - Claire.

Rated 5 out of 5 stars

great bank

I have been member of Co-Op bank for about 40 years or more, I have always been very happy with them, and would recommend them

August 23, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Karen. We're so pleased to hear you've been a loyal customer for 40 years and have always been very happy with us. Thank you for your wonderful recommendation - Claire.

Rated 5 out of 5 stars

Easy to switch from my main bank and…

Easy to switch from my main bank and hopefully I will receive the bonus offered.
I was kept informed through the process.
Their website is very straightforward and easy to use.

August 14, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Deirdre. We're so pleased to hear that switching from your main bank was easy and that you were kept informed throughout the process. It's also great that you found our website straightforward and easy to use. Thanks - Claire.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look