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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.87 (104 reviews)

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3.80

Based on 104 reviews, last reviewed 5th Apr 2025

100% increase in 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.

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Smile Bank Current Account reviews (104)

Great Service

Great bank. Very reliable. Never any problems Reviewed on: 6th April 2018

Smile bank is a fuss free current account

Been with Smile bank for years, they offer a great service. Their internet banking is comprehensive but easy to use. Their customer service is excellent, they have always been very helpful whenever I've had a question. Their ethical views and policies was my main attraction to them. Reviewed on: 10th February 2018

Easy, straightforward bank

Easy to use online banking and ethical too. Reviewed on: 17th January 2018

First Rate

Moved to this bank when my previous bank moved customer services overseas. The best move I made. When I need to speak to someone they are local. The internet banking is dead easy and the use of ATMs or the Post Office are so convenient. Reviewed on: 12th January 2018

Great

Old fashioned banking with al that we expect from a modern bank. I've never been happier with a current account. Reviewed on: 31st December 2017

Easy as pie

I like smile bank because whenever u have an issue I can always talk to someone in person and get the problem resolved quickly. Great customer service. Reviewed on: 31st December 2017

A decent bank with ethical values

I joined Smile many years ago, to get their preferable rates and because I sided with their ethical values. Things have changed much over the years, the once decent rates aren't as good as they were, but that's true for all, but charges/fees are fair. The online banking has been revamped heavily from their old basic offerings, but is still missing OFX export. The Smile phone app is a useful offering facilitating most banking tasks. We're now happy with the SmileMore premium account offering a good price on EU RAC cover for joint account holders in all vehicles (our cars & bikes), plus phone/gadget insurance which is great for smashed screens. Reviewed on: 10th November 2017

Long time account holder, never a problem

I have had this accound for more years than I care to remember (probably about 20 years). I have never had a problem with it and the telephone staff are very friendly. Reviewed on: 8th November 2017

Trouble free banking

I've banked with Smole for over ten years. Every contact I've had has been positive, quickly responded to and solved with as little problem to me as possible. E.g. Don't use my overdraft very much so they were going to reduce it by half. I messaged them from within my account said I wanted to keep it at the level it was at. They agreed. I had a problem with transferring money to pay a credit card bill as the other company refused repeatedly (5 times) and Smile looked into the problem and messaged me when the problem with the other company resolved. The current account is easy to use with SO, DD and so on. The website is easy to navigate , though I did prefer the last one to this very latest update but both easy, just my preference. Love the fact they are an ethical bank so know my money is not buying guns, drugs or supporting ivory trade or people smuggling. Great bank. Thoroughly recommend. Reviewed on: 8th November 2017

Easy to use online banking

I’ve been with Smile for over 15 years and have always had great customer service. The app is a great addition, making banking on the go (usually emergency loans to my children) simple. Reviewed on: 8th November 2017

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