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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.87 (104 reviews)

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3.81

Based on 104 reviews, last reviewed 5th Apr 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

19%

21%

Latest highest rating:

5

Secure Online portal . Online portal works perfectly, feels secure. Reviewed on: 5th April 2025

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

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About this product

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 Mon...

Smile Bank Current Account reviews (104)

Review of the Smile Bank, Current Account:

Good in theory

I liked the fairtrade element of this and that you could use the over the counter services at the Co-operative and Post Office but they keep closing the branches of the Co-operative near me and I hate the new website design Reviewed on: 8th December 2018

Secure Online portal .

Online portal works perfectly, feels secure. Reviewed on: 5th April 2025

Not so easy to contact recently

They used to be very easy to contact but the last few times that I have tried to contact them I have either had to wait ages on the phone or else they tell me that they are closed. There is no ability to 'chat' with them and there is no possibility of them answering a question if it is at a weekend. Reviewed on: 9th March 2025

I'm happy with it - good service

I'm happy with it - good service Reviewed on: 3rd March 2025

The original internet bank.

The original internet bank...and still goid Reviewed on: 5th February 2025

A truly Ethical Bank for the Common Good.....

I have been with Smile Bank aka Co op bank for many years. I have always found it effective adventurous, notably as the first internet bank. Few branches I agree but the Post Office provides access to cash if needed. I sincerely hope the arrangement with the Coventry Building Society is fulfilled. The outcome will be supet ethical. Reviewed on: 24th May 2024

Ethical Bank that does not invest in arms trade or a...

Ethical Bank that does not invest in arms trade or anything unethical. Reviewed on: 13th April 2024

A bank with ethics and great digital access

Easy to use current account via a mobile app, online banking, branch and access via Post Office. Via online banking the secure messaging is efficient and convenient. The account has an automatic £500 overdraft which is helpful. Good ethical bank, part of The Co-operative Bank. Reviewed on: 3rd April 2024

Smile - ethical, helpful, good comms

Smile are ethical, helpful and has good communication with customers Reviewed on: 26th March 2024

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 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 ... Reviewed on: 19th March 2024

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

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

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