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... 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. Read more Read less

Smile are ethical, helpful and has good communication with customers

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... 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. Read more Read less

Probably the only visa card with cash back so it is always accepted and it is a good alternative to amex.

Very easy to transfer money to and from current account, accepts external payments plus it can be a joint account, it also comes with a... Very easy to transfer money to and from current account, accepts external payments plus it can be a joint account, it also comes with a cashcard. Not the best interest rate out there but these extra benefits make it worth it for me. Read more Read less

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... 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. Read more Read less

35 minutes waiting on hold to Customer Services. Abysmal

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... 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. Read more Read less

Shocking how this bank even stays in business given poor performance. Poor uncompetitive products and performance. The Bank should start serving their customers and improve... Shocking how this bank even stays in business given poor performance. Poor uncompetitive products and performance. The Bank should start serving their customers and improve the air and fraud prevention system, yet again I was unable to make transfer to the account I paid before because transfer was marked as fraudulent. If you have an account with this bank be prepared you will not be able to transfer money anywhere if you need to, even paying bills like credit card is marked as fraud and payment is not sent. SHOCKING Read more Read less