Is Co-operative Bank or CardOneMoney better for your small business?
Below we look at both Co-operative Bank and CardOneMoney reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Co-operative Bank vs CardOneMoney Trustpilot Reviews
| Co-operative Bank | CardOneMoney | |
| Trustpilot Review Score (out of 5) | 4.2 | 4.6 |
| Percent 5-Star Reviews | 51% | 85% |
| Percent 1- Star Reviews | 39% | 9% |
| Total Number of Reviews | 7,699 | 798 |
https://www.trustpilot.com/review/co-operativebank.co.uk
https://www.trustpilot.com/review/cardonemoney.com
Co-operative Bank vs CardOneMoney App Reviews
| Co-operative Bank | CardOneMoney | |
| iPhone Review Score (out of 5) | 4.7 | 2.7 |
| Number of iPhone Reviews | 47,800 | 61 |
| Android Review Score (out of 5) | 4.3 | 3.9 |
| Number of Android Reviews | 33,000 | 200 |
https://apps.apple.com/gb/app/co-operative-bank/id1439204021
https://apps.apple.com/gb/app/card-one-money/id1133870045
Co-operative Bank vs CardOneMoney Account Fees & Charges
| Co-operative Bank | CardOneMoney | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 30 Months | NA |
| Cheapest Monthly Account Fee | Free | £12.50 |
| Most Expensive Monthly Account Fee | Free | £25 |
| Electronic Payment Cost (in/out) | Free | Free |
| Cash Payments Cost (in/out) | £1.50 per £100 | £1.50 |
| Cheques (in/out) | £1.50 | £5 |
| CHAPS Payments Cost | £25 | £30 |
| SEPA Payments Cost | No | No |
Co-operative Bank vs CardOneMoney Business Savings Rates
| Co-operative Bank | CardOneMoney | |
| Types of Business Savings Accounts | Instant access, 35+ day, 95+ day | None |
| Lowest Savings Rate (AER) | 1.63% | NA |
| Maximum Savings Rate (AER) | 2.51% | NA |
| Minimum Savings Amount | No | NA |
| Interest Paid On Foreign Currencies | No | Yes |
Co-operative Bank vs CardOneMoney Account Opening Times
| Co-operative Bank | CardOneMoney | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 5 Working days | 3 hours |
| Do They Check Your Credit? | Yes | No |
| Current Account Switch Service | Yes | No |
Co-operative Bank vs CardOneMoney Features & Account Types
| Co-operative Bank | CardOneMoney | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | No |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | No |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | No |
| Card Type | Visa | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | No |
| Branch Locations | Limited locations accross the UK | None, online only |
Co-operative Bank vs CardOneMoney Customer Support Options
| Co-operative Bank | CardOneMoney | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Co-operative Bank vs CardOneMoney Foreign Currency Accounts
| Co-operative Bank | CardOneMoney | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: | No |
|
Other Business Services From Co-operative Bank and CardOneMoney
| Co-operative Bank | CardOneMoney | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | Yes |
| Invoice Financing | Yes | Yes |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | No |
| Card Machines | No | No |
| Free Accounting Software | Yes | No |
Co-operative Bank vs CardOneMoney Banking Basics
| Co-operative Bank | CardOneMoney | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 990937 | 504547 |
| Website | Co-operative Bank Website | CardOneMoney Website |
Common Comparison Questions
Does Co-operative Bank or CardOneMoney have better customer reviews?
Co-operative Bank scores 4.2 out of 5 based 7,699 Trustpilot reviews. Of these reviews 51% are 5-star and 39% are 1-star.
Whereas, CardOneMoney scores 4.6 out of 5 based 798 Trustpilot reviews. Of which 85% are 5-star and 9% are 1-star.
Does Co-operative Bank or CardOneMoney have a better App?
Co-operative Bank’s iPhone App is rated 4.7 out of 5 based on 47,800 reviews. And it’s Android App is rated 4.3 out of 5 based on 33,000 reviews.
In comparison, CardOneMoney’s iPhone App is rated 2.7 out of 5 based on 61 reviews. And it’s Android App is rated 3.9 out of 5 based on 200 reviews.
Does Co-operative Bank or CardOneMoney have better business savings rates?
Co-operative Bank offers the following types of business savings accounts: Instant access, 35+ day, 95+ day with interest rates ranging from 1.63% to 2.51%. (AER)
In contrast, CardOneMoney offers None accounts with interest rates ranging from NA to NA (AER).
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For other business bank accounts see our guide here.