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Reviews - Co-operative Bank Accounts

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Excellent

“Good with money”

published 10/08/2008

Excellent online banking, easy to open account, gr...

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...

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Excellent

“Easy to use ISA - updated”

published 17/08/2001

good service

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...

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Excellent

everything you need to function normally in a fina...

none

For a debt riddled society and banking systems that have been quite happy to fuel such a situation I can honestly say that the Co-op basic bank account is definitely one for those who would like to be in complete control of their money i.e those who do not want to or can not live on bank credit...

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Super

Good ethics policy and one of there highest overdr...

The total overdraft has to be paid back 1 yr. afte...

Hi, I recently graduated and thought I would give my opinions on the Co-op's student bank account, I managed to stay debt free for the first 2 years at university but in the 3rd year had a few financial problems, so I decided to go for a student overdraft, Initially I asked for a short term...

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Good

Good telephone & internet banking sevices.No cash ...

Very high overdraft set up and monthly charges.Not...

I only opened a current account with the Co-operative Bank when I started working for them a few years ago, and before this I had heard little about them. They have strong ethical policies regarding how customers money is used, for example they won't support cruelty to animals or any company...

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Satisfactory

Available to all

Delays of epic proportions

The basic bank account which the government is trying to persuade pensioners to take up rather than collecting pensions from the post office may be available to all without credit check - but unfortunately the Co-op Bank seems to be floundering hopelessly. I took an elderly relative in to a...

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Super

excellent service

reduce rates and increase charges regularly

I've been with the co-op over 10 years and echo the earlier review that their service is excellent. Their internet bank (smile.co.uk) is even better. However, whilst I trust them as a bank, I don't trust them to maintain conditions on their accounts. As an example (and I could take examples from...

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Super

Free tenner, free wallet :-)

The Co-op are rubbish, to be frank

If you're between 13 and 18, the Co-op bank Bonus account will give you the 25% interest on £50!!! Here's the deal: If your average account balance over the year exceeds £50, they'll pay you a bonus of £10 on the anniversary of you opening your account - which is of course equivalent to 20%...

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Excellent

“Honest Review”

published 28/11/2005

Simplicity, Ethics & reliability

I have a student account with the bank, having previously had one with Barclays, and am writing of my own experiences of this in particular. At Barclays, I found them to treat you as just a number, and I found that they were inflexible when I needed to increase my overdraft. Also, when my wallet...

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Super

“Best Mini Cash ISA”

published 24/11/2000

Highest interest rate

None, (within the restraints of a mini cash ISA)

This opinion refers directly to the SMILE.CO.UK online account that I have. Having scoured the Sunday papers for best interest rate to be had in a Mini Cash ISA, the one that consistently tops the list is SMILE, which was, at the time, paying 7.25% tax free. UPDATE Mid FEB 2001. In common with...

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Super

“no interest and fines”

published 13/12/2000

internet service good; good ethical policy

sometimes slow service

I've had a standard current account with the co-operative bank for a few years now and on the whole they're OK. Good points: - Internet service is reliable and secure and easy to use. they also had this available than other banks did. - good ethical policy at the bank - they give you £10 if they...

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