Coop Bank Refer a Friend?

Yes, I think they are!

Their standard statement is based on a number of transactions, which equal “one page” on their layout. Their systems automatically generate a statement once you have “one page” worth of new transactions made since the last one was generated! At one time, they had no paperless option (I think pre-2016) and it worked the same way but automatically posted one - even more annoying! I saw somebody on MSE describe it as the “Co-op paper statement monster” which spewed out endless statements.

This explains a lot - at work I see Coop statements and I thought that person had a weekly statement - but it’s just because they use the card all the time then…

Yes, that’s right!

They were probably after the extra everyday rewards cashback (which used to be much more generous than it is now).