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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.91 (108 reviews)

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3.95

Based on 108 reviews, last reviewed 26th Jan 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

19%

20%

Latest highest rating:

5

Smile makes me smile Smile makes me smile; always feel well looked after Reviewed on: 26th January 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.

Smile Bank Current Account reviews (108)

Review of the Smile Bank, Current Account:

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 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

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

Very good- any minor issues get resolved very quickly

Very good- any minor issues get resolved very quickly. Good comms from their customer service, very very happy Reviewed on: 17th February 2016

Kept me smiling

Excellent service. Fast responses! Reviewed on: 15th February 2016

No fuss, no hassle, just my money

You can't go wrong with this bank. It's online but if you should ever need to pay in a cheque or speak to someone then you can pop in to any Co-operative branch. Have had my account for about 15 years now and all I can do is praise this service. Available online 24 hours a day, 7 days a week. If you send an instant message then you get a response within 24 hours. Easy to use, hassle free, If you need a reliable bank then this is the one. Reviewed on: 12th February 2016

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