Banner for The Co-operative Bank

The Co-operative Bank Reviews 

20,038
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

Looking at 6,020 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being extremely helpful, polite, and patient when handling everyday banking needs, opening new accounts, or providing guidance. Consumers also appreciate the smooth and user-friendly online banking platform, noting that managing accounts digitally is straightforward. However, some people mentioned experiencing frustrating phone queues, being put on hold for long periods, or getting disconnected unexpectedly when trying to reach support teams. Reviewers also noted that legitimate online money transfers occasionally get blocked by strict security checks, which can cause significant stress and delays during the process.

What people talk about most

Staff

Reviewers mention positive feedback about staff, consistently describing team members as exceptionally... See more

Customer service

People report positive experiences with customer_service, finding agents to be customer-focused, friendly,... See more

Service

Users describe positive interactions with service, highlighting efficient, speedy, and straightforward... See more

User experience

Customers consistently note positive experiences with user_experience, highlighting that the website and... See more

Payment

Clients share ambiguous opinions on payment, with many reviewers reporting frustration over blocked... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Treated like family not just a customer. Banking with the Coop is such a friendly familial experience. I have banked with the Coop for decades and always used to visit the local branch. When it... See more

Company replied

Rated 5 out of 5 stars

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 o... See more

Company replied

Rated 5 out of 5 stars

Being a lady of a certain age, I have had a lot of bank accounts - and the Co-Op comes out first! The website is easy to use, the customer service is exceptional, and it seems that the staff are alway... See more

Company replied

Rated 5 out of 5 stars

Co op Bank are great to deal with. Mainly use online Banking and very easy to use. Security is good and they prompt you if there are not enough funds in your account on the day to meet your commitmen... 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

(20,038)

6,101 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

I could not cope with the complicated…

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 me by post a hard copy of all the information I needed. She was a most understanding and thoughtful person for which I was most grateful. Thank you

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

Reply from The Co-operative Bank

Hi Mary, thank you for sharing your review with us. - Chris

Rated 5 out of 5 stars

Have always found cooperative bank…

Have always found cooperative bank sympathetic & highly efficient friendly staff on online banking. Been with them for almost 30 years. 😇

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

Reply from The Co-operative Bank

Thanks for sharing your 5 stars with us! We really appreciate your support. - Chris

Rated 4 out of 5 stars

In view of my hearing difficulty the…

In view of my hearing difficulty the staff were considerate and did their best to accommodate the request for clarity when speaking. I found the amount of requests for identity a bit too much to be reasonable. Over-all, the outcome was successful.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your review with us. If you also have access to a smartphone, Text Relay will allow you to type to our advisers. More details can be found here: https://www.relayuk.bt.com/how-to-use-relay-uk.html Kind Regards - Chris

Rated 1 out of 5 stars

Worst bank I've ever used

Unable to get electronic (pdf) copies of my monthly statements from less than a year ago, despite having mobile app and online banking.
Only way to get statements (required immediately by GOV.UK in pdf format) is to PAY £10 for paper copies to be sent in the post which takes 10 working days!!
Staff unwilling to escalate or let me speak to complaints department. Complaints must be raised on your behalf by the same person/department you're complaining about!
This bank is not fit for purpose.
I am reporting co-op bank to Financial Ombudsman.

August 26, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

I'm truly sorry to hear about the difficulties you've experienced in obtaining your statements and the frustration. If you would like me to look into this further, I've sent you a request through Trustpilot for some more information. Please respond to this request so that we can help you. Alternatively you can also send us a message on Facebook (https://www.facebook.com/thecooperativebank) or X (https://twitter.com/CooperativeBank). Just quote 'Trustpilot' in your message and we will be able to link it back to this review. Thanks - Liv

Rated 1 out of 5 stars

Terrible start after switching banks

Terrible start after switching banks

I recently switched my main current account from Nationwide to The Co-operative Bank and I already regret the decision.

Since the switch completed, I have been completely unable to register for or access online/mobile banking due to a technical/security issue. I have spent hours on the phone across multiple calls, repeatedly explaining the same problem and going through the registration process, but it still hasn’t been resolved.

The issue has been referred to IT and I have now had to raise a formal complaint. What makes this particularly stressful is that I am travelling abroad on Monday and have repeatedly explained that I urgently need access to my account before I leave, yet nobody has been able to confirm when it will actually be fixed.

I understand technical problems happen, but being unable to access and manage my main bank account for days immediately after switching, combined with the amount of time I’ve spent trying to get it resolved, has been extremely frustrating.

Not the experience I expected from a new bank at all. Wish I never switched banks!

August 26, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're truly sorry to hear about the extremely frustrating experience you've had since switching to us, especially with your upcoming travel plans. It's completely understandable that being unable to access your online banking and the time spent trying to resolve this has caused significant stress. Once the complaint does have an outcome, you'll be made aware of this again I do really apologise. Thanks - Liv

Rated 5 out of 5 stars

It's been so long since we opened any…

It's been so long since we opened any new accounts with the bank that we struggled with some of the ID questions, but the young lady was very patient and helped us through it all. She was superb and a credit to your bank.

August 26, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi William, thanks for your 5 stars! - Chris

Rated 5 out of 5 stars

Changed to Cooperative bank about two…

Changed to Cooperative bank about two years ago. They have been very helpful when I have needed to talk to them. Fast knowledgeable advisors. No long waits in the phone.
App is easy to use. Overall very happy with service.

August 27, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your 5 stars with us! We appreciate it. - Chris

Rated 5 out of 5 stars

Cop bank staff treated me kindly and…

Cop bank staff treated me kindly and we're very sympathetic to my situation

August 26, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear that our team treated you kindly and were very sympathetic to your situation. Thank you for your wonderful feedback! thanks - Liv

Rated 5 out of 5 stars

The lady I spoke to was very helpful

The lady I spoke to was very helpful. She was patient and answered my queries. she explained everything in simple straightforward terms. I always contact my bank by phone because I prefer to talk to a person. Computers are useful for some things, I appreciate this. when I need to sort out my accounts I prefer to talk things through properly.

August 26, 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 colleague. It's wonderful that they were patient, explained everything clearly, and answered all your questions. We appreciate you valuing our real person interactions. Thanks - Liv

Rated 3 out of 5 stars

Its telephone number for lost and…

Its telephone number for lost and credit cards number are expensive, Telephone call for banks issue take too long to answer.
Staff donot sound ver professional and confident.lack of service with smile.Can get better with some motivation. Hope merger might be like hanging sword over the head only bank side I am talking. Lack of customer care.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi, thank you for taking the time to leave a review.

We're sorry to hear that you've been disappointed with your experience, particularly regarding call waiting times and the service you've received.

We'd just like to clarify that the cost of calling our telephone numbers is determined by your telephone provider and tariff, rather than by The Co-operative Bank. Call charges can be checked with your network provider.

We're also sorry to hear that you felt some colleagues lacked confidence and that the level of customer care didn't meet your expectations. We appreciate you sharing your feedback and hope your future experiences are more positive. Kind Regards - Chris

Rated 5 out of 5 stars

Prompt neutralisation of a fake fraud investigator

I called to query a contact I had received from someone masquerading as the Co-op Bank Fraud Department that left me suspicious as there was 'No Caller ID' and despite the caller's upmarket English accent and claim that he had identified a possible fraudulent payment, I was uncomfortable with the interaction, especially when I saw that my card (for which he knew the full number) had been added to an Apple Wallet. The genuine Co-op Fraud Investigator acted quickly to block a charge that had been made against the card, cancelled the card and issued a new card. The staff member was reassuring, professional and efficient and the service was superb.

August 27, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

It's our pleasure, we're always happy to help! Thanks for your 5 stars. - Chris

Rated 4 out of 5 stars

Ages to wait for phone call to be answered

Coop bank staff are lovely, professional, knowledgeable, understand my needs but I gave 4 as I had to wait 30 mins to get through!

August 27, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your review with. We are sorry to hear about the wait time you experienced. - Chris

Rated 5 out of 5 stars

I am impressed by how professional

I am impressed by how professional, helpful, and responsive the customer service was throughout the process of reporting.

August 25, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thank you for your great feedback! We appreciate your 5 stars. - Chris

Rated 1 out of 5 stars

The most disastrous switch ever

The most disastrous switch ever; no communication from the bank, took 1.5 months, completed a full switch when instructed to do a partial switch, gave very little notice of the switch taking place and then locked me out of my existing account, did not provide bank cards in timely manner and refused to assist in any way when contacted. Furthermore Customer services takes forever to answer and then is unable to address issues. A truly disappointing experience.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Mark, I'm really sorry to hear this. If you would like me to look into this further, I've sent you a request through Trustpilot for some more information. Please respond to this request so that we can help you. Alternatively you can also send us a message on Facebook (https://www.facebook.com/thecooperativebank) or X (https://twitter.com/CooperativeBank). Just quote 'Trustpilot' in your message and we will be able to link it back to this review. Thanks – Liv

Rated 5 out of 5 stars

Recommend

Great bank. Recommend. Website for online banking easy to use.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your 5 star review! - Chris

Rated 5 out of 5 stars

Opening new savings account

The advisor Luke, from Colchester was very friendly yet professional. He dealt with my enquiry clearly and promptly. Thank you.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

It's our pleasure, the team are always happy to help. Thanks for your 5 stars. - Chris

Rated 3 out of 5 stars

I would like to transfer my… my co-operative bank to my Nat West Bank in Crawley

I would like to transfer my Co-Operative bank sort code 08-92-49 to my Nat west account the long number 5474 1010 4733 7533
Here is my address Flat 11, Tomlin Court, commonwealth drive RH10 1AH
I look forward on hearing from you soon

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Margaret, please delete your details from this review. It can be seen publicly. For account support, we are available on 03457 212 212, 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday. Kind Regards - Chris

Rated 4 out of 5 stars

Michelle Massetti made it great after a…

Michelle Massetti made it great after a negative view of the in bank experience

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so glad to hear that a member of our team was able to turn your experience around. Thank you for sharing your positive feedback! - Chris

Rated 5 out of 5 stars

Have been with the Coop for about 20 yrs

Have been with the Coop for about 20years. I endorse the comments made by others who have awrded 5 stars! Keep it up!

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your 5 stars! We really appreciate your support. - Chris

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