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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.87 (104 reviews)

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3.83

Based on 104 reviews, last reviewed 5th Apr 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:

5

Secure Online portal . Online portal works perfectly, feels secure. Reviewed on: 5th April 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.

Smile Bank Current Account reviews (104)

Review of the Smile Bank, Current Account:

Disgraceful banking service

I’m likely to be taking my issues with smile to financial services ombudsman. Today, I contacted the number on my smile banking app about a disputed or fraudulent payment. The customer service operator refused to help, citing that I need to log my concern via livechat / webchat. I tried explaining that I don’t have easy access to undertake such process, I get easily anxious with unfamiliar websites. I also don’t find it easy to articulate myself in written form, I have dyslexia. It takes lots of preparation for me to form something in writing. I personally don’t feel confortable using webchat or live chat (as smile call it) When I tried explaining this over the phone to his manager he was dismissive and not prepared to take my learning difficulty into consideration. Im saying this as non-verbatim recollection of the call, but he suggested cause “him and his son are dyslexic then, I shouldn’t have any issues with using website” - I’m genuinely confused what relevance this had with me struggling to use the web chat facility. He was very dismissive of my problems and anxiety. I was questioned on my motives for opening an ‘internet’ bank which I’ve had open for many, many years. This manager refused to consider my condition and assist me any further over phone. Despite having a smile account for many years, I have never used this webchat facility. I simply wanted them to understand my condition and current position. I’m having to escalate this matter to the complaints procedure and then the ombudsman. I feel very upset and let down by smile and the coop bank - they preach ethical practice. However, my experience today is anything but ethical. I’m going to get some guidance on my recent experience with smile, on what I view as possible discrimation. I’m also interested in understanding my rights with accessing my data over the telephone, whenever I satisfy the identification process, this I’ll take up with the ICO. My advice - Its better to use a bank service that you can communicate over the telephone, especially if you are like me anxious with using an instant webchat service. Smile always offered telephone support for general queries and since they have taken that facility away. It’s a banking service is substandard. This use to be an amazing bank, with today’s experience, I will be looking to leave smile and coop for ethical reasons. I recommend anyone reading this review to avoid opening a bank account with the coop and smile. Just read at all the reviews and the disappointed customers, that should give you an indication this is a substandard bank that has lost its way. I still haven’t resolved my query relating to the disputed / or potentially fraudulent payments I hope coop / smile take some learnings from the customer dissatisfaction and improve its service. They need to deal with telephone banking enquiries when they arise and listen to people’s concerns without dismissing them out of hand. I was once very loyal to Smile and the Coop bank. I will instead be leaving them after today’s experience! Reviewed on: 13th June 2018

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

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

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