# Co-operative Bank

> Secure mobile banking for everyday financial management and transactions. (iPhone/iPad app by The Co-operative Bank.)

- Source: https://appshunter.io/ios/app/co-operative-bank/id1439204021 (this page in markdown: same URL + `.md`)
- Developer: [The Co-operative Bank](https://appshunter.io/developer/524673636)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 153 App Store ratings · 550 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 62 MB
- Languages: American English
- Released: 2018-12-08
- Data updated: 2026-08-31
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/co-operative-bank/id1439204021/reviews.md

## What is Co?

New to our app?
The Co-operative Bank mobile banking app is designed to keep things simple & secure, helping you complete your everyday banking tasks quickly.

Benefits
• Access & manage your finances anywhere, at any time
• Quick & secure money transfers between your accounts & other people
• Search your transactions & view your pending payments to find your incomings & outgoings

Key features
Enjoy secure, convenient & efficient banking at your fingertips
• Quick & secure login with TouchID, FaceID or passnumber
• Browse & search transactions on your current, savings & loan accounts
• View your pending payments
• Create & pay new payees
• Pay, view & delete your saved payees
• Transfer money between your accounts (including to your credit card)
• View & delete your scheduled payments
• Freeze and unfreeze your card securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card
• View up to seven years of statements for current accounts, savings, ISAs & loans
• Use our easy to navigate account dashboard to help to you with your daily banking tasks
• Update your email address & phone number
• Share your account details with your contacts 
• Switch your current account to us & access exclusive savings accounts
• Use our mortgage calculator to check how quickly you could pay off your mortgage & how much interest you could save
• Apply for some products directly
• Find answers to your questions quickly on our help page


Fraud protection
The app also gives you additional protection from fraud. This is because we alert you of any account changes such as new device registration & if there are a change of details. 
We also have a fraud hub with a wide range of educational resources to help protect you from fraud.
Make sure you always install the latest update to get the latest improvements & security measures.

Logging in
You’ll need your online banking username, password & 6-digit security code to log in.
If you’re not registered for online banking, you can either do this by tapping 'Register for online banking' in the app, or register for online banking on our website.

Device compatibility
For security reasons, you’ll need to be using iOS 15 or above. You also will not be able to use the app if your device is jailbroken.
If you are not able to update, you can log into online banking to access your accounts.

Terms of use
We collect non-personal user data to monitor how well the app works. For example, measuring how long you spend on a particular screen. We collect a limited amount of personal data to allow you to use the app, for fraud prevention purposes & to help us to fix problems & improve the app for everyone. Everyone is opted in to this feature. If you do not want us to process your personal data in this way, please delete the app. If you download the app, you consent to sharing how you use it. Find out more about how we use this in our Privacy Policy, available within the app.

Important information
We will not charge you for downloading or using the app. However, your mobile network provider may charge you for data use, depending on your tariff or contract. Contact your operator for details. You may also use this service when connected to a Wi-Fi network.
Apple, Touch ID & FaceID are trademarks of Apple Inc. registered in the US & other countries.
The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No: 121885). Registered office: 1 Balloon Street, Manchester, M4 4BE. Registered in England and Wales (Company No: 990937).
Credit facilities are provided by The Co-operative Bank p.l.c. & are subject to status & our lending policy. The Bank reserves the right to decline any application for an account or credit facility.

## Key features

- Secure login with TouchID/FaceID
- Manage current, savings, and loan accounts
- Quick money transfers
- Pay and manage payees
- Freeze/unfreeze cards
- View up to seven years of statements
- Mortgage calculator

## What do users think of Co?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 🚀 Straightforward banking
- 🔒 Secure and reliable
- 🎨 Simple and clean interface

**Cons**

- 🐛 Frequent app outages and downtime
- 🔍 Limited functionality compared to other banking apps
- 🕰️ Slow transaction processing and updates
- 🤖 Outdated and lacking modern features

**Commonly reported bugs**

- Login issues and app crashes
- Inconsistent app behavior across devices
- Delayed or missing transaction updates

**Most requested features**

- Ability to freeze/unfreeze debit cards
- Detailed transaction history and pending payments
- Push notifications for account activity
- Option to nickname/label accounts

## Recent user reviews (10 of 550)

All indexed reviews: https://appshunter.io/ios/app/co-operative-bank/id1439204021/reviews.md

### 5/5 — Ethical

*2026-08-28, version 4.4.0*

Makes me feel good

### 5/5 — Review

*2026-08-21, version 4.4.0*

Brilliant service always.

### 5/5 — Mrs Iman Atabani

*2026-08-20, version 4.4.0*

You are the bestie

### 1/5 — So much issue

*2026-08-19, version 4.4.0*

Why is this app giving so much problems

### 5/5 — Co-operative bank

*2026-08-19, version 4.4.0*

The most friendly bank.

### 5/5 — EXCELLENT BANK 5*

*2026-08-15, version 4.4.0*

I have recently rejoined the bank as a customer, I had an account years back. I am so glad I have as I have received such fantastic service over the phone & by the social media team. I really feel they have gone above & beyond. The service provided is efficient, personal & friendly. I really appreciate this. The app is clear, easy to use & has improved since I last used it. Keep up the good work! :)

### 5/5 — Easy acc switch

*2026-08-13, version 4.4.0*

Great switching process easy app

### 5/5 — Switch

*2026-08-13, version 4.4.0*

I recently moved to this bank by doing their switch it was so easy to do I would definitely recommend

### 5/5 — Mr

*2026-08-11, version 4.4.0*

Nice easy to use application no problems ever encountered good job!!

### 5/5 — Ty

*2026-08-09, version 4.4.0*

Ty

## Frequently asked questions about Co

### What can I do with the Co-operative Bank mobile app?

The app allows you to manage your finances securely and conveniently. You can access and manage your accounts, make quick and secure money transfers, search transactions, view pending payments, and manage payees. It also offers features like freezing/unfreezing your card, viewing statements, and using a mortgage calculator.

### How do I log in to the app?

To log in, you will need your online banking username, password, and a 6-digit security code. If you are not yet registered for online banking, you can register directly within the app or on the bank's website.

### Is the app free to use?

Yes, the app is free to download and use. There are no additional charges for using the core banking features.

### What are the device compatibility requirements?

For security reasons, you will need to be using iOS 15 or above to use the app. The app cannot be used on jailbroken devices. If you are unable to update your device, you can still access your accounts by logging into online banking.

### How does the app protect me from fraud?

The app provides additional protection from fraud by alerting you of any account changes, such as new device registration or changes to your details. It also features a fraud hub with educational resources to help you stay safe from fraudulent activities.

## Version history (last 5 releases)

### 4.4.0 — 2026-07-08

We’ve updated our mobile app. In this release:
• You can create a standing order to a saved payee

### 4.3.0 — 2026-05-06

We’ve updated our mobile app. In this release: 

• We’re getting things ready behind the scenes. New features are on the way to help you manage your cards more easily

### 4.2.0 — 2026-03-24

We’ve updated our mobile app. In this release:
• You can now add a future date when transferring between your accounts

### 4.1.0 — 2026-03-03

We’ve updated our mobile app. In this release:

•	Bug fixes & performance improvements 
•	Getting ready for the Card Management Hub - work is happening behind the scenes so you’ll soon be able to freeze and unfreeze your cards

### 3.16.0 — 2026-01-20

We’ve made improvements to our mobile app. 

In this update you can:


• add a future date when paying a new or existing payee
• choose a new savings account more easily with improvements to the savings hub

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## More apps by The Co-operative Bank

- [smile the internet bank](https://appshunter.io/ios/app/smile-the-internet-bank/id1441405669)
- [Co-operative Bank – Business](https://appshunter.io/ios/app/co-operative-bank-business/id1535620461)
- [Co-operative Bank BusinessHelp](https://appshunter.io/ios/app/co-operative-bank-businesshelp/id1639523613)

All apps by The Co-operative Bank: https://appshunter.io/developer/524673636

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*