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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.85 (100 reviews)

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3.76

Based on 100 reviews, last reviewed 24th May 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

17%

22%

Latest highest rating:

5

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 branc... Read more Reviewed on: 24th May 2024

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 (100)

Perfect service

Essential that we stick by a bank with a critical mass of customers committed to returning to cooperative ownership. Excellent service always, and ethics matter. Reviewed on: 14th February 2021

Failure to close account 3 years ago

I have concerns with all of my Cooperative bank accounts. Be very careful. Charges are excessive. Their phone service offers different information to the phone representatives. Twice today, phone representatives terminated the call before anything was resolved. I closed my ISA and current account with them 3 years ago - today I was told I'm about to exceed my OD limit with them because of direct debits on the current account. They refused to provide written confirmation that both accounts are now, in fact, closed. AVOID THE COOPERATIVE BANKING GROUP, in my experience they are failing and not secure. Reviewed on: 22nd January 2021

Their latest website needs improving

Been with them for many years and been very happy until their lates software upgrades. I understand getting software that works well with every device and every version of operating system must be a nightmare but if you wish to be internet competitive this is where you need to invest. Reviewed on: 11th September 2020

still good after many years

Still good. Not 100% - but better than the competition. Helpful staff, good products, I appreciate the ethics very much. Been with them since 1991 - longest I have been with any bank. Reviewed on: 5th July 2020

simple to use - highly recommend

I have held a smile bank account for almost 20 years now and I highly recommend it. The App is easy to use, always up to date and you can access your savings account and credit card from the same log in. Hassle free way of using your money Reviewed on: 2nd July 2020

Great simple bank account

Everything runs so smoothly. Works well Reviewed on: 28th April 2020

Brings out the, well, smiles...

I've been a customer of Smile for some time, and joined due to the ethical nature of the bank. Online banking has been essentially faultless, but when issues have arisen they have been sortedquickky. Reviewed on: 9th February 2020

Good

The Cooperive Bank has always been a nice bank to deal with. The Smile Bank current account gives you a £500 overdraft, a Contactless Visa debit card and you can have a cheque book if you ask for one. The web site is very easy to get to grips with an dI love the card design. Reviewed on: 12th January 2020

Good bank with one or two quirks

For my personal account, ethical was of the highest importance. The only real choice I had was to use Co-Operative. I chose the Smile deivision as it was the digital bank, which suits me. There are one or two quirks with the bank however. Transfers in do not appear instanty - they do with my other accounts - and can take the full 2 hours. They are not well integrated with third party services either, and have yet to sign up to the Open Bank protocol - where pretty much every other major bank has done this. Wihle I am happy with the service, I do feel they could be doing more to catch up with the other banks. Particulatly as they are supposed to be a digital / internet bank. Reviewed on: 3rd January 2020

Simple and honest

An ethical company with an account that is simple to use and easy to access Reviewed on: 8th December 2019

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