7 ms·

The Co-Op run Smile, the internet bank. They've got a great premium current account. However, I've applied six times online (the only way you can). I'd wade

The Co-Op run Smile, the internet bank. They've got a great premium current account. However, I've applied six times online (the only way you can). I'd wade through all my details, previous addresses, employers details, passwords, pin numbers - the works. Took at least 20mins a time - then I'd go to the final page and get a generic "There has been an error with your request, please return to your previous page." And that's it - my entire application lost. So I have been unable to open an account for months. I've given up. I phoned them, but with no reference number, the woman said they weren't aware of any IT issues and that was that.

willyt 14y ago
I tried Co-op online a couple of times and was rejected. I finally went in to the branch on Leadenhall St in the City and applied 'manually' it went very smoothly and the staff are very helpful. They are very strict with checks for loans and mortgages as well. I wasn't able to get a mortgage with them despite being a customer and with them and having a completely clean credit record because they surmised from the location of my new house that I would be changing jobs and ended up putting me in a position where I had to admit that I was going self employed...game over. No other bank even asked. I would definitely trust them to be fiscally prudent, but if you need some credit you might need to look elsewhere.
- keithpeter 14y ago
  Impressive checking there. I'm thinking of opening a second account with a bank independent of Lloyd's tentacles. Might try that one...
StavrosK 14y ago
The co-op's online banking system is horrible. They used to have it designed so that entering your password multiple times would lock you out of your account, even if you were entering your password correctly but the system was having problems and couldn't verify it for some reason. I had to call them to reset the password every time the account got locked because of system errors on their part. The current system isn't much better, with the password field at login not accepting backspaces.

willyt 14y ago

I tried Co-op online a couple of times and was rejected. I finally went in to the branch on Leadenhall St in the City and applied 'manually' it went very smoothly and the staff are very helpful. They are very strict with checks for loans and mortgages as well. I wasn't able to get a mortgage with them despite being a customer and with them and having a completely clean credit record because they surmised from the location of my new house that I would be changing jobs and ended up putting me in a position where I had to admit that I was going self employed...game over. No other bank even asked. I would definitely trust them to be fiscally prudent, but if you need some credit you might need to look elsewhere.

keithpeter 14y ago
Impressive checking there. I'm thinking of opening a second account with a bank independent of Lloyd's tentacles. Might try that one...

StavrosK 14y ago

The co-op's online banking system is horrible. They used to have it designed so that entering your password multiple times would lock you out of your account, even if you were entering your password correctly but the system was having problems and couldn't verify it for some reason. I had to call them to reset the password every time the account got locked because of system errors on their part. The current system isn't much better, with the password field at login not accepting backspaces.