Co-operative Bank complaint?

Do you have a dispute or a bad customer experience with the Co-operative Bank? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

Call the Co-operative Bank on 03457 212 212 for current accounts, savings and smile accounts; credit cards, mortgages and business accounts have their own numbers on the bank's contact pages. You can also send a secure message through online banking, speak to someone in a branch, or email the complaints address shown in the contact details above. Have your account details ready, and ask for a complaint reference.

Payment dispute or blocked account? Start your complaint here as well, and we push it out to the Co-operative Bank by email, social media and printed letters.

To escalate a complaint with the Co-operative Bank, make sure it is logged as a complaint, by phone, in a branch, by secure message, by email or by letter to its Customer Response team, and give your name, address, a daytime number, your account details and the full story. If an adviser settles it at first contact, the bank sends a summary resolution letter; if not, it investigates and sends a final response by email or post, so keep every letter. The registered office of the Co-operative Bank is in Manchester; the full address is in the contact details at the top of this page.

Card payment refused or an account frozen? Open a case with us: our trained AI keeps coaching you on what to reply to the Co-operative Bank and when to push again.

Yes. Coventry Building Society bought the Co-operative Bank on 1 January 2025, returning it to mutual ownership. The Society has proposed transferring the bank's business, including smile, into Coventry Building Society itself, subject to approval by the court, and says it would keep using the Co-operative Bank and smile as trading names. For now, Co-operative Bank and smile customers use the bank's own contact routes and complaints process.

Keep any letter the bank sends you about the transfer with your other account records.

Yes: the Financial Ombudsman Service settles disputes between consumers and financial businesses in the UK, and that covers complaints by Co-operative Bank and smile customers about its banking products and services, though its offshore accounts may fall outside the scheme. The Financial Ombudsman Service generally expects the Co-operative Bank to have had the chance to put things right first, so keep a record of every call, secure message, branch visit and reference number.

Refused a refund on a payment you did not make? We help you write the complaint in minutes through our complaint process, drawing on thousands of complaint letters that actually worked.

Not if it comes before 8am or after 6pm, arrives on WhatsApp, or asks for your PIN, password, a one-time passcode or remote access to your device. The bank says it never does any of these, and that it will never ask you to move money because of its planned transfer to Coventry Building Society.

Nothing has been reported about the Co-operative Bank here yet. Our research shows what typically goes wrong at UK high street banks: scam payments that are hard to get back, accounts blocked or frozen during security checks, card payment disputes, branch closures and long phone queues, and changes to accounts and products after a change of ownership.

Account frozen while a security check runs? Be the first to report it: your case opens the record for the next Co-operative Bank customer locked out the same way.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of the Co-operative Bank through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Co-operative Bank can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.