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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 Mon...

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Smile Bank Current Account reviews (103)

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 ever... 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

Honest and siomple

An easy account to manage. No frills just easy to use Reviewed on: 8th December 2019

Easy peas online squeezy

Smile has provided my banking facilities for almost two decades. I like what they do, I have no plans to change. Reviewed on: 20th November 2019

New app.

I live abroad now and had much difficulty with the card reader. We're excited to hear about the new app. But now it is not available in my country. What happened to international banking?? Reviewed on: 10th June 2019

Great banking but no local bank

Love using Smile and they’ve always been very helpful with any queries. They’re very flexible. But we have no branch in our town now which is not so good. Reviewed on: 31st May 2019

Left behind

I opened a smile account a long time ago when it was one of two internet only banks. Shane it didn't change for years and then when it did try to improve its app it made a mess of it. I looked around and found a new bank that made banking really easy so I closed my smile account. Reviewed on: 9th February 2019

Good banking experience

Always efficient service and good understanding of customer needs. Reviewed on: 19th January 2019

Excellent Personal Service

Really impressed with how Smile Bank deal on a personal level with their customers. It's a bank which makes you feel valued. Reviewed on: 13th January 2019

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