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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:

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 with a debit or credit card to a new or occasional payee is stopped, due to overly cautious fraud prevention controls. There are very long delays when calling customer service (an hour or more is common), and menus are unduly cumbersome to get to call handler. However, I have found call handlers are helpful and polite if you have the time and patience to wait for someone to become available. Responses from online messaging normally take days, rather than hours. App and online banking are both unreliable, with frequent and long-lasting outages, with no proper indication of timescale for availability. What were once class-leading interfaces were overtaken by competitors some time ago. Reviewed on: 19th March 2024

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

Great Service

Love the service from this bank. Nothing too much. No interest on the current account, but steady reliable service! Reviewed on: 6th November 2017

Smile keeps me happy

Easy to use, good customer service and an improved electronic banking platform. Reviewed on: 6th November 2017

Excellent!

I have held a current account with Smile for over 10 years. Whilst I understand it is very easy to switch bank accounts and that there are plenty of incentives to do so, I have no intention of closing my Smile account. I find the website easy to navigate in terms of checking my account, setting up regular payments, making one-off payments and payment transfers. Furthermore, when required (which is rarely), I have always found customer service to be excellent, providing prompt and effective responses. Highly recommended! Reviewed on: 5th July 2017

Easy and ethical

I like knowing that my money is not being used for anything dodgy, like arms and munitions manufacturing. Smile are very easy to deal with too and the online user experience is great. Reviewed on: 29th June 2017

On line banking hero

I love this bank, been with them 14 years and always had excellent service and they are always happy to help Reviewed on: 30th May 2017

Great customer service and easy website

The customer service team are great whenever you contact them and they're always quick to respond. It's easy to use the online services and app. I'd recommend Smile to everyone, especially students, as their student account deal is one of the best. Reviewed on: 17th May 2017

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