Banner for The Co-operative Bank

The Co-operative Bank Reviews 

20,048
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

(20,048)

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 4 out of 5 stars

The company invests my money in ethical…

The company invests my money in ethical causes which I believe to be essential in an increasingly unethical moneytarist world.

The staff in my City's only remaining branch of the Bank
are always supportive of my requests for assistance with personal banking matters. More counter-assistants would help with waiting at busy times.

I have been offered personal instruction into how to operate on-line banking but remain too technophobic.

30 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

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

We're delighted to hear that our ethical approach is important to you and that it aligns with your own values. It's also wonderful to hear such positive comments about the team in your local branch.

We're pleased that colleagues have been supportive and helpful whenever you've needed assistance. We appreciate your feedback regarding waiting times at busier periods, and it's great to hear that you've been offered support with Online Banking too.

Please don't worry about being "technophobic" – we understand that digital banking isn't for everyone, and we're always happy to support customers in the way that works best for them.

Thank you for banking with us and for your kind comments.

Kind regards - Chris

Rated 5 out of 5 stars

Had to call today and Esta helped me…

Had to call today and Esta helped me with the App on my new phone. I had lost my old phone, and forgot login details, and got myself locked out of online banking. She was patient and professional and her help was much appreciated.

30 August 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 5 out of 5 stars

I've been a customer since 2017 and I…

I've been a customer since 2017 and I never had a problem with them. I moved from HSBC due to a fraudulent event. Never had problems with Cooperative. when they see any unusual activities, they will call you right away before approving a payment. And will keep the block until it's cleared.

30 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

It's our pleasure. Thanks for sharing your 5 stars with us! - Chris

Rated 5 out of 5 stars

I attended to report a bereavement…

I attended to report a bereavement which was handled with sensativity and efficiency. All questions were answered
and i felt at ease.

28 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're sorry for your loss, Jean. We're glad we would help during this difficult time; we're always here for you. - Chris

Rated 1 out of 5 stars

Dark Ages Smile App

Smile App is from the Dark Ages. Poor functionality. Smile only accepts customer messages via the online webpages. No other way to raise an issue.

29 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi. We appreciate your feedback regarding the app's functionality and the limited options for raising issues. We are actively working to improve our customer support channels. If you'd like to discuss 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 - Michelle

Rated 5 out of 5 stars

Best service with The Co operative Bank

Having been with the Co operative Bank for many years I have always had a brilliant service either in branch or by phone
Thank you so much for all your help

27 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for your 5 stars, we appreciate your great feedback! - Chis

Rated 5 out of 5 stars

Easier for all to use

I find that with my account it is a lot easier for me as a person in their late 60s, the app is not too complicated which is a great help, so thank you.

29 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi James, thanks for sharing your 5 stars with us! - Chris

Rated 1 out of 5 stars

Banks a joke

Banks a joke. You try to transfer money to your own account & it flags for fraud.
Infact, any time u transfer money it flags for fraud.
Only opened the account for the £300 incentive, it really wasn’t worth it!

27 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Mark, I'm sorry to hear about the difficulties you've experienced with transfers being flagged for fraud. I understand how frustrating this can be, especially when trying to manage your own funds. If you'd like me to look into this further for you, please respond to the request via Trustpilot for your contact information. - Michelle

Rated 5 out of 5 stars

Perfect service

I was seen in less than 5 minutes and everything was fine, brilliant service.

28 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Kevin, we appreciate the 5 stars! - Chris

Rated 1 out of 5 stars

Slow slow slow

Slow slow slow. Trying to move money I'd be quicker getting the train to a real life bank and doing it old style. I'm leaving it's too painful.

29 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Janette, I'm truly sorry to hear that your experience has been so frustrating due to slow service when trying to move money. I understand how inconvenient and painful this must be for you, and I sincerely apologize for the difficulties you've encountered. Your feedback is very important to us, and I will ensure it is shared with our team for review. I've sent you a request through Trustpilot for some more information. Please respond to this request if you wish to discuss this further.

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 - Michelle

Rated 1 out of 5 stars

Absolute joke of a bank

Absolute joke of a bank. My account was accepted, only for my online access to be immediately blocked over absurdly specific security questions—like remembering the exact date in 2014 I opened an old current account—forcing me to call customer services.
​The very next day, I tried paying off my credit card with my own money, and the transaction was blocked, requiring yet another call.
​To top it all off, when I tried to pay for a takeaway the following day, my card was blocked again. I had to call customer services once more, only to be told by the representative that they could only deal with "urgent" issues.

29 August 2026
Unprompted review
Rated 5 out of 5 stars

No wait time

No wait time, one cashier serving a customer as I entered, and another staff welcomed me to her counter. Making a significant withdrawal and the staff asked relevant questions to make sure I wasn't being pressured to make the withdrawal, in a friendly and pleasant way. Great service in all

28 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your feedback with us. - Chris

Rated 5 out of 5 stars

First class service

I really appreciated the direct, speedy response when I contacted the bank with a potential fraud situation on my account. The staff members were knowledgeable and in control of the problem and responded to prevent any further escalation. I was very relieved and appreciative that things were resolved almost instantly. There was no waiting on a connection phone line but was connected to an advisor almost straight away. All in all this was an efficient, first class service that seemed well managed in a very stressful situation Thank you.

28 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We appreciate your kind words about our service during a stressful time. Thanks for sharing you 5 stars with us, we're always happy to help. - Chris

Rated 1 out of 5 stars

Beware if applying for a savings account…

On applying for a savings account online I had to fill in a form. The form asked me for my date of birth and it presented me with a calendar that showed only the current month. To change the date the only means was to touch an arrow which moved the calendar back by one month. As I am over 80 years old, this meant I would have to touch the arrow at least 80 x 12 times to get back to my birth year. After touching the arrow about 240 times I was suddenly invited to enter my birthdate manually, and was shown two examples (something like 1 July 1960 and 01/07/1960). Neither example method was accepted when I entered my birthdate as it was magically changed to the format 1960-01-07, which was not accepted. Please redesign this part of your form so that it works.

29 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi, thank you for bringing this to our attention. We sincerely apologize for the frustration and difficulty you experienced with our online form, particularly with the date of birth selection. We understand how cumbersome it must have been to navigate the calendar feature, and we regret that the manual entry also presented issues with formatting. Your detailed feedback is invaluable, and we are actively reviewing this part of our application process to make necessary improvements. We are committed to ensuring a smoother and more user-friendly experience for all our customers.- Michelle

Rated 5 out of 5 stars

I visited the Co-operativebank in…Hanley.

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.

I sat down with Alison and she reset my details for logging into the online app and I was up and running very shortly after a few security questions.

Many thanks and best regards, Roy Maxfield.

27 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

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

Rated 5 out of 5 stars

i found that i was looked after well…

i found that i was looked after well and could not fault the help that was given me, anila who i spoke to wes very plesant and look after me and help solve all my proplems and help me get a better return on my savings

25 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your great feedback with us! We appreciate the 5 stars. - 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