Write a review

Go to business site

Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.87 (104 reviews)

View other Smile Bank products

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

Read all reviews See your review

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

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

Even better than Carlsberg!

Fantastic service, always pleasant, knowledgable and helpful whether on the phone or in person. Even monitor account for security reasons and if suspicious of activity contact to discuss. Nice piece of mind. Will always recommend! If Carlsberg is the best lager in the world (probably) then this is the best bank. Reviewed on: 6th November 2017

Do you have a different Smile Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Graduate Current Account
from Bank of Ireland 0.00 from 0 reviews
Personal Account
from Revolut 4.92 from 80442 reviews
Debit Card (discontinued)
from Fineco Bank (inactive company) 0.00 from 0 reviews

Want to see more from Smile Bank?

Savings
from Smile Bank 3.86 from 5 reviews
Credit Cards
from Smile Bank 3.29 from 4 reviews
Personal Loan
from Smile Bank 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub