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Smile Bank: Current Account reviews

3.81
Based on 97 reviews, last reviewed 26th Mar 2024
400% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
55%
See only 4 star reviews
18%
See only 3 star reviews
2%
See only 2 star reviews
2%
See only 1 star reviews
23%

Latest highest rating:

5

Smile - ethical, helpful, good comms Smile are ethical, helpful and has good communication with customers Reviewed on: 26th March 2024
Michelle D's avatar
Michelle D

Latest lowest rating:

1

Failing to provide an adequate service have been a customer for almost 25 years, and service now seems to be at the worst level in all of that time. Anything more than a nominal payment wit... Read more Reviewed on: 19th March 2024
Jonathan Bainbridge's avatar
Jonathan Bainbridge

About the Current Account

Smile Bank is an ethical online bank. Its Current Account doesn’t charge a monthly fee and is available for individuals and as a joint account. Every Smile Current Account comes with a £500 overdraft. Applicants must be eligible for the overdraft to open the account.

Considering opening an account with Smile Bank? Find out what existing customers have to say first. Discover the ins and outs of the account by reading the Smile Current Account reviews on Smart Money People.

Find out more about the sign-up process for this online bank. Learn how long customers have had their accounts with Smile Bank and how satisfied they are with the Current Account. Find out the pros and cons of the account and what people think of the bank’s customer service team. Make an informed decision about your new account by reading our Smile Bank Current Account reviews.

If you have a Current Account with Smile Bank, take a moment to share your experience with others. Tell us how long you’ve had your account open and whether this is your main bank account. What is your favourite feature of the account and is there anything that you feel could be improved? Have you encountered any issues with the account, and if so, how well were they resolved? Would you recommend the account to your family and friends? Whether good or bad, write an honest Smile Bank Current Account review today. Together, we can help others like you make better financial decisions.

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Smile Bank Current Account reviews (97)

Smile - ethical, helpful, good comms

5
Smile are ethical, helpful and has good communication with customers Reviewed on: 26th March 2024
Michelle D's avatar
Michelle D

Failing to provide an adequate service

1
have been a customer for almost 25 years, and service now seems to be at the worst level in all of that time. Anything more than a nominal payment with a debit or credit card to a new or occasional payee is stopped, due to overly cautious fraud prevention controls. There are very long delays when calling customer service (an hour or more is common), and menus are unduly cumbersome to get to call handler. However, I have found call handlers are helpful and polite if you have the time and patience to wait for someone to become available. Responses from online messaging normally take days, rather than hours. App and online banking are both unreliable, with frequent and long-lasting outages, with no proper indication of timescale for availability. What were once class-leading interfaces were overtaken by competitors some time ago. Reviewed on: 19th March 2024
Jonathan Bainbridge's avatar
Jonathan Bainbridge

Staff always polite and professional no matter how b...

5
Staff always polite and professional no matter how busy they are. Great customer service, free joint account, they issue a chequebook. It meets all my banking needs and the bank has an ethical contract with customers. It ticks all my boxes when it comes to banking needs. Reviewed on: 17th March 2024
Emil's avatar
Emil

35 minutes waiting on hold to Customer Services.

1
35 minutes waiting on hold to Customer Services. Abysmal Reviewed on: 1st March 2024
Garfield's avatar
Garfield

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