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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 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 (103)

Ethical internet bank

Convenient, online current account with free overdraft, optional savings account and phone app that makes it easy to manage money.From the cooperative bank which aims to support ethical causes. Reviewed on: 30th March 2023

Long standing reliable bank

I've been a customer of smile for around 10 teen years now, and I've never been disappointed with their customer service. I mostly message them and I know I'll have an answer with an explanation. Sometimes a bit of a pain all the security steps, but all banks use them and they are for my benefit! Reviewed on: 16th March 2023

Friendliest Bank

Most customer friendly bank, lovely staff. Reviewed on: 16th March 2023

Simple and straightforward online banking

I joined smile many years ago because I liked their business model and clear communications. I also needed a bank I trusted after a security breach on my Lloyds account. I have been very happy with the service received and security of my accounts ever since. Reviewed on: 9th March 2023

What happend to Smile?

I've been trying to transfer some money out of Smile. It's supposed to be by "faster payment" but every transaction is blocked for several days for security checks, even if the payment is going to a destination that has been used previously. It takes over an hour to get through on the phone and they take 4 or 5 days to reply to secure messages. They used to be so good but now, well, now they don't make me smile. Reviewed on: 9th February 2023

A decent on line option

On line banking, easy to operate Reviewed on: 1st February 2023

They hate you to bank!

Absolutely awful. Continually blocks my online purchases and each time, to fix, I have to sit in an hour long queue for customer services to unblock my card. They explains it’s done for security reasons but it happens every time! Renders my account unusable online. I’ve resorted to transferring the sum to a different account to make the purchases now, while I arrange moving away from this bank. I’ve been a customer for about 10 years so it’s a shame but they really don’t want my custom any more. Reviewed on: 25th August 2022

Awful Bank, awful no existent customer service

Twenty minutes plus wait to speak to someone and then when they answer they say hello and cut you off. Their call centre is overloaded as they are having a major problem with the implementation of Visa 3d secure(11 August 2022) which seems to be randomly blocking cards for online payments even when the credentials are correct. If you want to continue to pay for goods online I suggest you change banks as no one seems to know how to fix this despite multiple calls each one waiting 20 plus minutes on hold. The sister bank Co-op is just as bad. Wish I'd changed banks years ago. Reviewed on: 11th August 2022

Dreadful

I’ve been with Smile from the beginning What was once an innovative and forward thinking Bank has become impossible. Technically outdated, some of the worst customer service and simply dreadful. I was shocked when my partner recently opened an account with another Bank provider at how creative and focused they where and the online options . Smile has stopped making me smile ! Reviewed on: 25th July 2022

Should you trust the reviews on Smart Money People?

I do not think Smile is a good bank. I have used them for a very long time and so I think I know them pretty well. I think I have been generous in giving them 2 stars, but there are probably some banks that are actually worse than Smile. What I find amazing is how the reviews on Smart Money People can so easily distort things. There are 74 reviews and 12 of the 5 star reviews are written by two people (Peter Saville and Tina J Grant). So the average score given by Smart Money People is 4 stars. However if you look at all of the reviews posted in the last 12 months (none of which are by Peter or Tina), the score drops to 2 stars. What a hopelessly misleading review website Smart Money People appears to be! My conclusion is that you probably shouldn't trust the scores on this site. Reviewed on: 11th July 2022

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