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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.91 (108 reviews)

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3.95

Based on 108 reviews, last reviewed 26th Jan 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

19%

20%

Latest highest rating:

5

Smile makes me smile Smile makes me smile; always feel well looked after Reviewed on: 26th January 2026

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 (108)

Review of the Smile Bank, Current Account:

Friendliest Bank

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

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

Good in theory

I liked the fairtrade element of this and that you could use the over the counter services at the Co-operative and Post Office but they keep closing the branches of the Co-operative near me and I hate the new website design Reviewed on: 8th December 2018

Decent and clear web site plus ethical policy

Ethical policy (as part of Co-op Bank) Faster payments Web site easy to use Reviewed on: 22nd November 2018

Great service

Always very smooth service. No problems at all Reviewed on: 9th November 2018

Have never had a reason to complain

have had a Smile bank account for over 10 years now and haven't ever had a reason to complain. I can use a Co-op bank to deposit cheques or cash and my banking is available 24/7 with the Smile App. Free £500 overdraft if I need it and Visa debit card that can be used anywhere. go on, give Smile a go!! Reviewed on: 9th November 2018

Customer-friendly bank

Smile's current account does all that it should. The online service is quick and easy to use. Whenever I have had to contact them via secure message, I have had a prompt response. Reviewed on: 8th November 2018

Very good communication

Once i went over my overdrawn limit. As this was something i did rarely they waited the fees Reviewed on: 8th November 2018

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