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Smile Bank reviews

Smile Bank Logo
Rated Good • 4.01/5

Smile Bank reviews

Unverified business Last reviewed within 7 days
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Review summary

People rate this company as Good based on 119 product reviews

Average score of 4.01/5
5 star
59%
4 star
17%
3 star
2%
2 star
2%
1 star
20%

Latest positive rating

5/5

30 years good service

I have banked with Smile / Cooperative Bank for over 30 years, without any real problems or issues. My only critiicism would be that wait... I have banked with Smile / Cooperative Bank for over 30 years, without any real problems or issues. My only critiicism would be that wait times for helpline calls have got a bit longer during the last ten years, but I very rarely need that service Read more Read less

{"display":"Rick B","full_name":"Rick B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Current Account
Rick B 20th March 2026

Latest negative rating

1/5

credit card statement

You want people to get paperless statement but you don't even have a system to provide one year statement to view online for credit card.... You want people to get paperless statement but you don't even have a system to provide one year statement to view online for credit card. Then charge a fee for statements over 6 months ago and even delay to provide documents for paid customers, one of the worst banking service i ever experience. I wont use your bank anymore. Please provide the bank statement as agreed on your term and condition. Read more Read less

{"display":"Nok","full_name":"Nok","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Credit Cards
Nok 3rd December 2024
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About Smile Bank

Smile Bank reviews can help you to become Smart Money People by finding out what other customers have to say. Since 1999, Smile Bank has provided online banking services including credit cards and current accounts to customers throughout the UK. Smart Money People is the place for Smile Bank reviews. Read and write Smile Bank reviews today to help increase trust and transparency in financial services.

Smile Bank at a glance

Reviews for Smile Bank

Showing 11 of 119 company reviews • Last reviewed within 7 days

30 years good service

Current Account • 20th March 2026

I have banked with Smile / Cooperative Bank for over 30 years, without any real problems or issues. My only critiicism would be that wait... I have banked with Smile / Cooperative Bank for over 30 years, without any real problems or issues. My only critiicism would be that wait times for helpline calls have got a bit longer during the last ten years, but I very rarely need that service Read more Read less

{"display":"Rick B","full_name":"Rick B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Making banking simple

Current Account • 13th February 2026

Made a phone call to see if I could pay my Credit Card bill every month automatically of course you can they said, I should... Made a phone call to see if I could pay my Credit Card bill every month automatically of course you can they said, I should have done it years ago. I was on a roll so set up mobile banking, easy to do, I'm always checking my account it's so quick. Read more Read less

{"display":"David L","full_name":"David L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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  • 5/5

    Smile makes me smile

    Smile makes me smile; always feel well looked after

    {"display":"Hilary Lord","full_name":"Hilary Lord","avatar":{"url":"\/assets\/uploads\/avatars\/users\/558199.png"}}'s avatar
    Current Account
    Hilary Lord 26th January 2026
  • 5/5

    Good ethical bank.

    Easy to use, good app, efficient website, ethical.

    {"display":"Wilson","full_name":"Wilson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    Wilson 24th January 2026
  • 5/5

    Easy and Safe

    Always easy to access via app and online. Customer support is always quick and responsive too.

    {"display":"BB","full_name":"BB","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    BB 23rd January 2026
  • 5/5

    There when I need them.

    A. 250 pound overdraft is free on my Smilemore account every month. AND I love the new feature to be able to choose a future... A. 250 pound overdraft is free on my Smilemore account every month. AND I love the new feature to be able to choose a future date to pay a business or a person. Smile do not bother me with advertisements but are there when needed for example Insurance queries. Great. Read more Read less

    {"display":"Denise D","full_name":"Denise D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    Denise D 23rd January 2026
  • 5/5

    Secure Online portal .

    Online portal works perfectly, feels secure.

    {"display":"theRichK","full_name":"theRichK","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Not so easy to contact recently

    They used to be very easy to contact but the last few times that I have tried to contact them I have either had to... They used to be very easy to contact but the last few times that I have tried to contact them I have either had to wait ages on the phone or else they tell me that they are closed. There is no ability to 'chat' with them and there is no possibility of them answering a question if it is at a weekend. Read more Read less

    {"display":"Roisin ","full_name":"Roisin ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    I'm happy with it - good service

    I'm happy with it - good service

    {"display":"Sparkly","full_name":"Sparkly","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    Sparkly 3rd March 2025
  • 4/5

    The original internet bank.

    The original internet bank...and still goid

    {"display":"James C","full_name":"James C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    James C 5th February 2025
  • 1/5

    credit card statement

    You want people to get paperless statement but you don't even have a system to provide one year statement to view online for credit card.... You want people to get paperless statement but you don't even have a system to provide one year statement to view online for credit card. Then charge a fee for statements over 6 months ago and even delay to provide documents for paid customers, one of the worst banking service i ever experience. I wont use your bank anymore. Please provide the bank statement as agreed on your term and condition. Read more Read less

    {"display":"Nok","full_name":"Nok","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit Cards
    Nok 3rd December 2024

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