The Co-operative Bank Reviews 

48
TrustScore 2.5 out of 5

2.6

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Rated 1 out of 5 stars

Denied opening a bank account for no real reason. I tried to open an account for stock trade funding and was denied siting some sort of risk like I was trading their money. Also took over 24 hours for... See more

Rated 1 out of 5 stars

Despite their image as a people's bank and pride of place in Consumer reports, the bank categorically does not lend for land purchases if someone intends to live in a tiny home. Even if CCV is greater... See more

Rated 5 out of 5 stars

A small operation but I have never had anything but helpful, courteous service. I don't mind that there is only one physical branch in my city. Anything I have ever wanted fixed has been attended to o... See more

Rated 1 out of 5 stars

NCB bank was fine for 10 years that I had my coop loan but a year ago they switch payment systems and on man! I've never been late on ANY bills but because they have a very badly designed, no user fri... See more

Company details

  1. Bank
  2. Financial Institution
  3. Savings Bank

Information provided by various external sources

The Co-operative Bank, a bank based in and registered in New Zealand, provides everyday banking, deposits, savings, loans, insurance and small-business banking throughout the country.


Contact info

2.6

Poor

TrustScore 2.5 out of 5

48 reviews

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2.6

All reviews

(48)

20 reviews in the last 12 months

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Rated 1 out of 5 stars

This bank is terrible

This bank is terrible! Their mobile app is always down and goes unresponsive when trying to make payments.

Today I had to physically visit just to make a transfer to a website from my account, despite them claiming to be able to do it over the phone or via the app.

19 August 2026
Unprompted review
Rated 1 out of 5 stars

Really very bad payment processes!!!

NCB bank was fine for 10 years that I had my coop loan but a year ago they switch payment systems and on man! I've never been late on ANY bills but because they have a very badly designed, no user friending payment system I have been late twice. I can't link my banks and I can't get help. Think twice before ever getting a coop loan with NCB.

17 July 2026
Unprompted review
Rated 5 out of 5 stars

Good bank to deal with

Good bank to deal with, friendly, swift, has all the bells and whistles I need for my banking requirements without the overbearing corporation identity. Fact that it's actually a mutual partner to its customers is a rare thing we have so easily let go of in many areas of society.

30 May 2026
Unprompted review
Rated 1 out of 5 stars

constantly not being able to purchase…

constantly not being able to purchase goods of the internet using my co op bank debit card. so frustrating, having to call them everytime my card is declined. no one at co op bank can give me any explanation as to why this keeps happening. After my term deposit matures I'm changing banks....they've had a year to sort it out & done nothing. worst bank of the three I've banked with.

20 April 2026
Unprompted review
Rated 1 out of 5 stars

Banking getting more stressful

It's been made extremely stressful to use your own money, I don't recommend this bank to anyone. I was trying to pay myself and they asked all these questions that make you wild. I was trying to help myself, not get stressed as I have now

18 April 2026
Unprompted review
Rated 1 out of 5 stars

Once again trying to get online and its…

Once again trying to get online and its down for maintenence. All the time its down, whats the point in paying for a savings account when you cant even bloody access it when needed. It is ridiculous! Ive complained numerous times about it and just get "oh sorry" and this place is supposed to look after our money!

3 March 2026
Unprompted review
Rated 5 out of 5 stars

I recently dealt with Karen on the 0800…

I recently dealt with Karen on the 0800 number. I expected my dealings to be difficult as I was trying to sort out an elderly relatives bank account and automatic payments. Karen made the process so easy, was extremely helpful and understood our requirements while still ensuring the privacy of that relative was intact. It was a pleasure to deal with someone so knowledgeable and helpful. If only all call centre dealings were that easy.

27 February 2026
Unprompted review
Rated 1 out of 5 stars

Can’t even give a bank money

Denied opening a bank account for no real reason. I tried to open an account for stock trade funding and was denied siting some sort of risk like I was trading their money. Also took over 24 hours for a response and late call back. Micaela was Ok to deal with but I assume how she fed the information to her superiors probably had more damaging affect than an attempt at real customer service. Less than 1 out of 10

27 February 2026
Unprompted review
Rated 1 out of 5 stars

Extremely poor customer service

Extremely poor customer service. I walked into the local branch the other day & stood for 10 minutes while she talked to a customer about a loan. There was another staff member at the bank on a computer who never glanced around. I could tell I was going to stand unacknowledged for a significant amount of time as it was a loan process, ended up walking out. A $200.00 overdraft requires an appointment. And the fee to replace a card is charged automatically whether its fault of your own or not. Can wait to change bank. do not recommend them at all!!

13 January 2026
Unprompted review
Rated 5 out of 5 stars

Used the bank for 3 years now and…

Used the bank for 3 years now and really like the fact that it's under the co-op name. Since banking with them I feel like my money is constantly stretched as far as possible. On top of investments they also helped a bunch with my mortgage and the that I can't thank them enough.

12 January 2026
Unprompted review
Rated 5 out of 5 stars

Hi I would like to say thank you co Co operative Bank service is great

Hi I would like to say thank you co operative great service to filling out my paypal accont over the phone, I am very lucky I bank with Co Operative Bank, they did an awesome job with the service I need My name is Paulo Ioanetelesoma and shout out to the lady who helped me filled out my paypal account, great job and we need more people with the mind to help their client it was a pleasure meeting her, and I wish all Co Operative Bank a Happy XMas and a very fruitful New Year

thankyou once again

Godbless

Paulo Ioanetelesoma

30 December 2025
Unprompted review
Rated 5 out of 5 stars

Great ethical bank

Great ethical bank. Customer service has long waiting times, but as do all banks. When get through they are helpful, Annila was very courteous and helpful on my recent call.

9 September 2025
Unprompted review

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