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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.85 (103 reviews)

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3.76

Based on 103 reviews, last reviewed 9th Mar 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

19%

21%

Latest highest rating:

4

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... Read more Reviewed on: 9th March 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...

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Smile Bank Current Account reviews (103)

Fantastic service

Straightforward banking. Easy to use app. Help by email is great. Reviewed on: 18th December 2016

Appalling new website

Current website is now impossible to use. If you manage to log in it is difficult to navigate. Does not permit you to manage your money. Get the impression staff are doing nothing but dealing with customers in despair. Reviewed on: 10th December 2016

Very dated systems and attitudes

Very dated IT systems make for a clunky online experience. The staff are very inflexible if there is an issue. I think the only reason they still have customers is due to the "smugness effect" whereby people stick with Co-op for reasons other than competence. Reviewed on: 21st November 2016

Ethical Investment

Smile are a great internet bank with first class customer service but with few branches and low interest rates for savers. Their best selling point is ethical investment. Reviewed on: 14th November 2016

Simple banking

Just simple banking. Everything is straightforward. Requests are dealt with in a timely manner. Reviewed on: 14th November 2016

does what it says on the tin!

Cant fault this bank - online services are top class. it's all there at the touch of a button and if you really need to talk to someone you can go in to any co-operative bank. Have only had to contact the bank twice in about 14 years and the customer service was great - all sorted within a few minutes. you want a no-nonsense bank, with many online facilities, and a free overdraft then this is the one Reviewed on: 22nd June 2016

SO NICE SERVICE

THIS CURRENT ACCOUNT IS VALUABLE AND PROCESS IS EASY Reviewed on: 21st June 2016

No-fuss banking

No fuss banking. Everything just works well. Reviewed on: 24th May 2016

Simple

They enable customers to do day to day banking efficiently and with the minimum frustration. Excellent customer service. Reviewed on: 7th April 2016

Wonderful

Have been with Smile for over 15 years and cannot fault them. They are fast, very helpful and any issues I have have been dealt with wonderfully, cannot recommend them enough A+++++. Reviewed on: 18th February 2016

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