Banner for The Co-operative Bank

The Co-operative Bank Reviews 

20,058
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

(20,058)

5,618 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

Very quick & efficient service

26 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We are so pleased to hear that you experienced such quick and efficient service. Thank you for taking the time to share your positive feedback with us; we truly appreciate it. - Emma

Rated 5 out of 5 stars

Great Service

Still has local branches, friendly informative staff, efficient response when using the telephone service.

31 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear that you experienced friendly and informative service from our local branches and efficient telephone service. Thank you for your wonderful feedback! - Emma

Rated 1 out of 5 stars

Awful service.

20 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Stuart, I'm sorry you're unhappy with our service. If you'd like to discuss your feedback further, please provide your contact details via Trust Pilot and I'll arrange a call back for you. Alternatively, you can message us on Facebook (https://www.facebook.com/thecooperativebank) or X (https://x.com/CooperativeBank). Please quote Trustpilot in your message, so we can link it back to this review. Kind regards – Sammie

Rated 5 out of 5 stars

Very prompt and well informed response…

Very prompt and well informed response to a potential scam that I had been subject to. Well done COOP.

31 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so glad to hear that we were able to provide a prompt and well-informed response regarding a potential scam. It's great to know we could help! - Emma

Rated 5 out of 5 stars

It just does the job

It just does the job
I was fortunate to signing up early to SMILE which excellent but currently not available

31 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We appreciate you sharing your experience. We're glad our service meets your needs, and we understand your interest in SMILE. - Emma

Rated 1 out of 5 stars

Horrible bank

Failed to issue bank statements. Failed to issue bank card. False claims that all is in order. Blocking access to internal secure messaging. A pure horror of the bank. Avoid, avoid, avoid!

31 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Alexander, I'm sorry to hear about the difficulties you've experienced with bank statements, your bank card, and accessing secure messaging. We understand how frustrating this must be. We've requested more information from you via Trustpilot so we can look into this further. If you'd like a call back, please respond to this request. Alternatively, you can message me on Facebook (https://www.facebook.com/thecooperativebank) or X (https://x.com/CooperativeBank). Just quote 'Trustpilot' in your message and we'll be able to link it back to this review. Kind regards – Sammie

Rated 5 out of 5 stars

It was really easy to speak to somebody…

It was really easy to speak to somebody who understood my needs.

13 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear that you found it easy to connect with someone who understood your needs. Thank you for your wonderful feedback! - Emma

Rated 5 out of 5 stars

Potential fraud

I received a message checking on a possible fraud. Telephoned the bank. The issue was quickly dealt with in a speedy and professional manner.

18 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so glad to hear that the fraud alert was handled quickly and professionally by our team. Thank you for sharing your positive feedback! - Emma

Rated 5 out of 5 stars

People who know and help

A very short wait to speak to an advisor who was knowledgeable, understanding and able to give me all the information I asked for, and some additional ones that will benefit me.

26 August 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 us. It's wonderful that our advisor was knowledgeable, understanding, and provided you with all the information you needed, plus some helpful additional insights. - Emma

Rated 5 out of 5 stars

Exemplary customer service

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've banked with Co-Op 18 years and wouldn't go anywhere else. I just hope, with the merge with Coventry Building Society, that the wonderful customer service doesn't disappear. Thank you coop please keep doing what you're doing

29 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear about your positive experience and that our diligence was helpful. We appreciate your loyalty over the past 18 years and your kind words about our customer service. -Emma

Rated 5 out of 5 stars

My card was stolen and misused and the…

My card was stolen and misused and the Coop dealt with the matter promptly and courteously.

25 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're glad to hear that we were able to assist you promptly and courteously when your card was misused. Thank you for your positive feedback! - Emma

Rated 1 out of 5 stars

Unreliable and misleading

Please don't waste your time with these -there are plenty of other banks out there who will value your custom. I met all the conditions for switching and they let me down. Totally feel misled resulting in losing faith and trust in this inferior organisation.

Whilst they may come back to comment & say they'd like to contact you, don't waste your time as they make no effort to put right the matter.

30 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Steve, I'm very sorry to hear that you feel misled and that we let you down with your switch. I can see we've already discussed this with you and we're unable to change the eligibility for the switching incentive. Kind regards - Sammie

Rated 5 out of 5 stars

Always feel transfers are secure with…

Always feel transfers are secure with the clarifications and checks. Also really easy to use.

30 August 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're delighted to hear that you feel secure with your transfers and find our service easy to use. Thank you for your positive feedback! Thanks - Liv

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

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