Choose Co-operative Bank if...
- You want a values-led high street bank.
- You may use packaged account benefits.
- You want savings and current account options together.
- You prefer a mainstream bank with ethical positioning.
Updated 3 July 2026 - High street bank comparison
Co-operative Bank vs Metro BankWhich should you choose?
Co-operative Bank and Metro Bank can both work as UK high street banking options, but they suit different priorities. Co-operative Bank may appeal if ethical banking, packaged account options and everyday current accounts matters most, while Metro Bank may be worth comparing if you prefer store-style branch access, everyday banking and face-to-face support.
Quick verdict
Pick Co-operative Bank if you want a values-led high street bank.
Pick Metro Bank if you live near a metro bank store.
Choose Metro Bank if...
- You live near a Metro Bank store.
- You value face-to-face support.
- You want a no-monthly-fee current account.
- You may use savings or business banking alongside personal banking.
Co-operative Bank vs Metro Bank: side-by-side
| Category | Co-operative Bank | Metro Bank | Edge |
|---|---|---|---|
| Best overall fit | Ethical banking, packaged account options and everyday current accounts | Store-style branch access, everyday banking and face-to-face support | Tie |
| Monthly fee | Standard current account available, with paid packaged account options. | Personal current account has no monthly account fee. | Tie |
| Branch access | UK branch access, though the network is smaller than the largest banks. | Store-style branch network, but coverage is smaller than the largest UK banks. | Tie |
| Mobile app | App and online banking for everyday account management. | App and online banking for everyday account management. | Tie |
| Savings | Savings, Cash ISA, limited access, fixed rate and regular saver products may be available. | Instant access, cash ISA, children's savings and fixed-term products may be available. | Tie |
| Support | Branch, phone, app and online support. | Store, phone, app and online support. | Tie |
| Extra products | Customer-led Ethical Policy, packaged accounts, savings, credit cards and personal loans. | Current accounts, savings, business banking and safe deposit boxes in selected stores. | Tie |
Final verdict
Co-operative Bank and Metro Bank are worth comparing side by side. The better fit depends on whether you care more about ethical banking, packaged account options and everyday current accounts or store-style branch access, everyday banking and face-to-face support.
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