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Smile Bank: Current Account reviews

Name: Current Account
Rating: 4.07 (111 reviews)

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4.07

Based on 111 reviews, last reviewed 24th Mar 2026

700% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

58%

18%

20%

Latest highest rating:

5

Fussfree app, excellent service. 5 stars Fussfree app and online usage. Been with them since 2002 and started using the current account again after trying smile and Santander.. No contest.. s... Read more Reviewed on: 24th March 2026

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 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 (111)

Excellent!

I have held a current account with Smile for over 10 years. Whilst I understand it is very easy to switch bank accounts and that there are plenty of incentives to do so, I have no intention of closing my Smile account. I find the website easy to navigate in terms of checking my account, setting up regular payments, making one-off payments and payment transfers. Furthermore, when required (which is rarely), I have always found customer service to be excellent, providing prompt and effective responses. Highly recommended! Reviewed on: 5th July 2017

Easy and ethical

I like knowing that my money is not being used for anything dodgy, like arms and munitions manufacturing. Smile are very easy to deal with too and the online user experience is great. Reviewed on: 29th June 2017

On line banking hero

I love this bank, been with them 14 years and always had excellent service and they are always happy to help Reviewed on: 30th May 2017

Great customer service and easy website

The customer service team are great whenever you contact them and they're always quick to respond. It's easy to use the online services and app. I'd recommend Smile to everyone, especially students, as their student account deal is one of the best. Reviewed on: 17th May 2017

Great, easy to use online banking

Have had a personal account with Smile for several years. Online banking function is great and the overdraft facility is much better than any other bank iv been with. Good functionality - exactly what i need. Reviewed on: 12th February 2017

Ethical Bank

I joined Smile because I was looking for an ethical bank, and although it is internet only this has never been a problem as you can use the post office and co-op bank branches. Reviewed on: 3rd February 2017

No fuss bank

was a little disappointed that after 15 years of never going overdrawn I was refused an overdraft. But it is a bank that doesn't fuss, doesn't send you un-necessary emails or post, doesn't charge for current account and seems to keep on top of security. Reviewed on: 24th December 2016

Great bank

Does exactly what it says. Nothing flash but good online banking service. Reviewed on: 18th December 2016

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

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