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Smile Bank: Current Account reviews

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3.76
Based on 103 reviews, last reviewed 9th Mar 2025
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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
Roisin 's avatar
Roisin

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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Jonathan Bainbridge
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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 and easy to use online account

5
The Smilemore account isn't free, but includes valuable travel and gadget insurance. Reviewed on: 16th April 2021
Glyn's avatar
Glyn

Well Run Professional Bank with a customer focus

4
I have been with Smile many years and have found them to be decent and professional. They are sometimes slow to adopt new technology, but I suppose better safe than sorry but overall a very good bank Reviewed on: 13th April 2021
John's avatar
John

stay away...no customer service at all

1
Have been with Smile for about 20 years and used to really enjoy being a customer. Recently tried to open another current account and was denied (I am a home owner, mortgage free and £70,000 sitting in a current account with them). I emailed for an explanation and was told to contact the credit company. When I asked for further explanation I was given info about how to close my account. Absolutely disgusting customer service. Then received a bill for £25 for having my account...which by the way earns 0% interest. Smile have gone way downhill, they used to be ethical and friendly, nothing of that now. Disgusted by them. Reviewed on: 12th April 2021
Karen Inkster's avatar
Karen Inkster

Perfect service

5
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
Ellen McVea's avatar
Ellen McVea

Failure to close account 3 years ago

1
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
Joe's avatar
Joe

Their latest website needs improving

4
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
Howard's avatar
Howard

still good after many years

5
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
david's avatar
david

simple to use - highly recommend

5
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
Tina J Grant's avatar
Tina J Grant

Great simple bank account

5
Everything runs so smoothly. Works well Reviewed on: 28th April 2020
Peter Saville's avatar
Peter Saville

Brings out the, well, smiles...

4
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
Andy Campbell's avatar
Andy Campbell

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