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Smile Bank: Current Account reviews

Name: Current Account
Rating: 3.85 (101 reviews)

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3.77

Based on 101 reviews, last reviewed 5th Feb 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

18%

22%

Latest highest rating:

4

The original internet bank. The original internet bank...and still goid Reviewed on: 5th February 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 (101)

Review of the Smile Bank, Current Account:

35 minutes waiting on hold to Customer Services.

35 minutes waiting on hold to Customer Services. Abysmal Reviewed on: 1st March 2024

The original internet bank.

The original internet bank...and still goid Reviewed on: 5th February 2025

A truly Ethical Bank for the Common Good.....

I have been with Smile Bank aka Co op bank for many years. I have always found it effective adventurous, notably as the first internet bank. Few branches I agree but the Post Office provides access to cash if needed. I sincerely hope the arrangement with the Coventry Building Society is fulfilled. The outcome will be supet ethical. Reviewed on: 24th May 2024

Ethical Bank that does not invest in arms trade or a...

Ethical Bank that does not invest in arms trade or anything unethical. Reviewed on: 13th April 2024

A bank with ethics and great digital access

Easy to use current account via a mobile app, online banking, branch and access via Post Office. Via online banking the secure messaging is efficient and convenient. The account has an automatic £500 overdraft which is helpful. Good ethical bank, part of The Co-operative Bank. Reviewed on: 3rd April 2024

Smile - ethical, helpful, good comms

Smile are ethical, helpful and has good communication with customers Reviewed on: 26th March 2024

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

Staff always polite and professional no matter how b...

Staff always polite and professional no matter how busy they are. Great customer service, free joint account, they issue a chequebook. It meets all my banking needs and the bank has an ethical contract with customers. It ticks all my boxes when it comes to banking needs. Reviewed on: 17th March 2024

Best of both worlds; online and branch

Been with Smile bank as long as I can remember. Sceptical at first about online banking, but smile bank changed my mind. With the added bonus of being able to use co operative bank in branch, smile cooperative gives the best of both worlds for convenience and peace of mind. The ethical banking principles we prefer are a significant reason for our choice too. Reviewed on: 26th February 2024

Great Bank , very secure and easy to manage

Great Bank , very secure and easy to manage Reviewed on: 10th February 2024

Good but waiting times on the phone are very long.

Waiting times on the phone are very long. Once connected the service is good. In cases of scams and fraud they sort things out quickly and retrieve any lost funds. Reviewed on: 17th January 2024

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