Co-operative Bank

Co-operative Bank

Best High Street Bank (Ciao Hitlist)

... So I feel I have lots of experience in this area, and know a good bank when I walk into one! My first ever bank account, when I was a mild-mannered teaching student with a huge overdraft and a penchant for beef and tomato flavoured pot noodle and vodka, was with the Co-operative Bank. I ... Read review

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1-5 of 40 reviews of Co-operative Bank Show all reviews

If you want to change the world, be that change

Advantages: Ethical, Environmentally Conscious, Customer Led.
Disadvantages: In my eyes, none at all. It's all good.

...and vodka, was with the Co-operative Bank. I kind of walked into this account by default, given that my parents had always banked with the Co-op and as I didn't really have a clue about banks accounts, budgets or money-matters generally I went with the obvious option of following their lead.

I have to say it was both the best financial, and ethical decision I have ever made.



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...wouldn't.

The Co-operative Bank is the ONLY high street bank to have an Ethical Policy which is guided by its customers and dictates exactly who it will and will not do business with. In 2005 they turned away £10million worth of business because it conflicted with their ethical policies. Ethical policies which were helped into creation by the beliefs of their customers.

One of the businesses the bank turned away in ... more

phoenixgreen 08.09.2006 (26.09.2006)
Ciao members have rated this review on average: very helpful
Review of Co-operative Bank

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how this bank helped me sort my life out.

Advantages: Very Friendly Staff,
Disadvantages: Tell you when i find any.

Well you are probably wondering from the title what i am going to write about. Was i in so much trouble that i was going to take my own life. Was i in such a mess that i thought about running away and just trying to start a new life. Well i will explain, i started work for the co-op 5 years ago roughly, and i decided to also open a co-op bank account to get my wages paid in there monthly. I Went to the local branch, they was very very helpful, ...
...if i would like an overdraft on my account. what kind of account it was for, i explained it was for paying my wages in and so forth, until finally there we was, finished i had got my bank account set up, just a normal run of the mill, no overdraft bank account. So my first weeks wages went in, and i was there yes hooray, everything is going good, every month the wages went in fine, the interest rates was good, but nothing special, but looking at ...

mentalmickey100 28.04.2003 · Read full review
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Right-on attitude, shame about the banking.

Advantages: fantastic ethical policy, can be friendly and 'human'
Disadvantages: just not very good at providing banking services!

I chose the Co-operative Bank for all the right reasons. I care about human rights, fair trade, the environment and sustainable development - there doesn’t seem a lot of point donating to a charity which is going to save the earth/children etc, then depositing my money in a bank which will lend it to multinational corporations with scruples reflecting all that is worst about globalization. The Co-op’s ethical investment policy, upon which ...
...BANK next to the word Co-operative in the High Street, who’s cashpoint I used the other day to withdraw a big wad on my Company Barclaycard. As many of you will know I run market research discussion groups, and had to sort out respondent incentive payments for that evening. However my incentives were GBP50 each, and the machine paid out in 20s, as I explained to the nice lady at the counter having gone in and queued up. So could I just change ...

Cazz 21.02.2002 · Read full review
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The Bank that trys there best to say YES

Advantages: EXCELLENT CUSTOMER SERVICE, MAKE YOU FEEL LIKE A CUSTOMER INSTEAD OF A PROFIT
Disadvantages: NOT ENOUGH BRANCHES

...a bank account at the Co-Operative bank, and I would like to share my views with you, I will start of with; Customer Service I have really got to say the customer service that you get from the bank is second to none, I have only had dealings with call centres, and lets admit call centres don’t hold the best of reputations, but I find that they really do try and help, and are definitely not afraid of conversation, not only do you get the financial ...
...nice friendly person sat at the other side of the phone, who seems like they will go that extra mile to help you. I haven’t yet had to use a branch so I cant really comment to much on the customer service on a face to face level yet, but I expect it to be pretty much the same. Accessibility. You can never say that you cannot access your account, the bank offers a wide range of options, there is internet banking, telephone banking (which also ...

carl_1_uk 28.10.2001 · Read full review
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Better than some of the others

Advantages: Friendly staff
Disadvantages: Not many branches

I have to admit thatr I adn't used my co-op account for years until about 3 years ago when I had a rather large falling out with Barclays, but since then the Co-op have been rather good. As a plain current account, I was quite surprised when I rang to ask for an overdraft and was told I was already approved to have £1000!!! WOW! Ok, so it cost me something like £15 to set it up, but for that I get a £1000 overdraft until June 2001. The customer ...
...staff that I've spoken to being really helpful and polite. The internet banking side is also easy enough to use, although it's not very easy to set up a direct debit or cancel them on the site. I tend to use the customer service helpline for things like that, but it's useful to check your balance and order cheque books etc. The only downside I can think of is that there aren't many branches. If I need to pay hard cash in, I have to go to the local ...

Biffa 26.12.2000 · Read full review
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A Bank that makes you feel like a person

Advantages: Friendly to the individual and the world
Disadvantages: can get a bit mixed up sometimes

I have banked with the Co-Operative bank in various ways for quite a few years now. Initially I used them primarily for savings and direct debits, but then swithced completely when my environmental conscience and love of small animals demanded that I abandon the evil, bunny-killing Natwest. I really like the Co-Op's ethical policy and the fact that they walk the walk rather than just talking the talk. I have always found the telephone banking services ...
...sure your needs are being met rather than the bank's need for profit. Even if this isn't entrely true, they at least give the impression of genuinely having your interests at heart, which makes a pleasant change. However, my dealings with the bank have not been without one or two glitches. The first was when I opened my initial savings account with them, along with a cheque for £2,000. A very nice Scottish man in the Wigan branch set up our account ...

Medusa 10.03.2001 · Read full review
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The no so Co-operative Bank

Advantages: None whatsoever.
Disadvantages: All contact and services from them.

we proved them wrong. One excuse after another followed. This carried on until I was speaking to the conveyancer about these problems and us both looking through their files of "you are approved by ?????? bank to conduct conveyancing, etc". I spotted a letter of approval for C.I.S. mortgages (Co-operative Insurance Services), so immediately rang Co-op Bank about this. They again tried to worm their way out of this, even though they were merging Co-op Bank and C.I.S. into C.F.S. (Co-op Financial Services) at the time. Finally they gave in after a lot of pressure. We didn't want to reapply for a mortgage with someone else, as we would have lost the property due to one thing and another. Then we come to buildings and contents insurance. We asked Co-op to sort it with the mortgage process, to make it easier for us as they ...

mccsmart02 09.02.2007 (02.05.2007) · Read full review
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Good with money

Advantages: Excellent online banking, easy to open account, great customer service, ethical policies
Disadvantages: I can't think of any

I have been banking with the Co-operative for just over 3 years now so I like to think I have enough experience of the service to give a fair review. I joined whilst I was working as a debt adviser. Ironic since I had a mountain of debt at the time which is only slightly smaller now! If the people I advised were entering into a debt management plan or an IVA, they were advised to set up a new basic bank account. One of the list of bank accounts we recommended was the Co-Operative Cashminder account. One of my colleagues already had this account and she had nothing but praise for the Co-operative. So, since I was in the process of reclaiming my bank charges from Barclays at the time, I felt a change in my finances was in order. Setting up the account was easy as pie. I did it over the telephone and it was a simple and straightforward ...

nicolemorgan 10.08.2008 · Read full review
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Review of Co-operative Bank Accounts

Easy to use ISA - updated

Advantages: good service
Disadvantages: don't know how the interest rate compares

I have a cash mini ISA with the Co-operative bank. For those of you who don't know, ISA stands for Individual Savings Account. They are a saving incentive by the government, who won't tax you on your interest. There is a maximum you can save and you can only have one mini ISA and one maxi ISA and one has to be cash and one has to be stocks and shares. If, like me, you don't have huge amounts of money to save, then the maximum isn't a problem. I find this particular ISA very useful because I have my current account with the same bank and can easily transfer money from one account to the other via their internet banking service or on the phone. There may be better companies as far as interest rates are concerned and there are certainly ways you can get higher returns on your money, but for me this is convinient, easy and virtually ...

meday 17.08.2001 (22.08.2001) · Read full review
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