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Reviews - Smile Accounts

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Good

Ethical bank, good interest rates, cheap overdraft...

Extortionate admin and penalty charges, can't remo...

I will be very non-PC in this review, I am warning you. Everybody is raving about Smile, aren't they? Especially the ethically minded, politically conscious folk.... Smile IS an Internet-branch of Co-Operative bank and thus is considered to be a much better thing in ethical stakes than the let's...

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Excellent

Online management is far superior,better interest ...

charges for statements

Having been a customer for a year now I have experience which I can share about thes E-bank. When I joined I was getting disgruntled with my highstreet bank so I decided to switch. I contacted Smile and the details arrived promptly. I received letters which I just had to sign and pop in pre-payed...

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Excellent

“Say Cheese”

published 14/09/2002

Excellent Service, Good rates of interest.

None

Having finished my opinion, I have realised that I have written a review for the section covering Smile as a whole. My experience only covers their current account. Sorry!! Until very recently I was a Barclays customer. Always had been and always would have been. Life was simple. My salary was...

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Excellent

Internet operated, good rates

site can be slow to load

I have had a Smile mini cash ISA for over a year now, and have been very impressed with the product and the service. Smile is the internet arm of the Co-operative bank, and the ISA accounts are operated on-line, although you can phone as well. You pay in money by direct debit from existing...

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Excellent

“No more wasted lunch hours”

published 25/06/2001

Fast and Efficient

None

I have been using Smile for some months now and am happy with the service that it provides. You can save up to £3,000 a year - free of all UK income and capital gains tax. They offer the CAT standards, which means that you have easy access to your money and the interest rate you'll receive can't...

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Excellent

“How I smile”

published 11/03/2001

easy to use, secure, great customer services

not much human contact

I had been looking for a cash mini ISA for sometime. I had trawled the newspaper's financial sections and many websites before I found smile. The two things that attracted me to smile was it's parent company (the Co-operative bank) and it's high rate of interest. At the time I applied, this was 7...

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Excellent

“Smile Student Account-Superb”

published 28/10/2003

efficient, easy to use and great service

None

I have been a student on and off for the past 7 years and have done some research into all the student accounts on offer. Many of my student friends have accounts with a number of high street banks and have had nothing but grief. It seems many banks are all to keen to sign you up with extra...

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Excellent

“Best ISA In Town”

published 26/09/2000

Best interest rate going

You can only deposit £3000 per annum - ISA rules

Without a doubt the best deal currently available for someone who wants instant access but a high interest rate on any sum up to £3000. The interest rate of 7.25% pa is pretty much as good as it gets - and is certainly the best for any sort of instant access account. The site (www.smile.co.uk) is...

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Excellent

“Best ISA rate 7.25%”

published 12/07/2000

Convenient, Reliable and High Interest Rate for IS...

Detailed transaction not shown, interest added ann...

I was first lured to Smile by its high mini-cash ISA interest rate of 7.25%. It was the highest I could get, as building societies which offer rates higher than that inevitably need you to become their members first. So I gave Smile a try and liked what I experienced. Their service is quite good...

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Excellent

“Brilliant”

published 12/07/2000

Great Service, great products

On the net, do you have confidence?

I needed an ISA account, but wanted good interest, instant access and the ability to start small. Smile were the top rated so I choose them. The account was easy to set up, a simple internet form to fill in and the response from smile was quick. Once the account was running everything arrived...

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Excellent

Very high interest rates on current accounts

A passport is required to register

Have you ever wondered how much it must cost banks to have branches in every city centre and send out junk mail to you every few months? Wouldn't you rather have some of that money? This is where Smile has a massive advantage over high street banks - they do banking online and save a lot of money...

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Excellent

Excellent rates when in credit or debt, superb web...

Lack of a human contact, inital applications can t...

For students such as myself a smile student account is an extremely attractive proposition. They provide healthy interest rates when in credit and exceptional overdraft limits (from £1000-£1800) and rates (free!!). Perhaps the only down side is the lack of face to face contact which whilst I can...

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Super

“ISA by Smile”

published 30/07/2000

Good rates, good service, good internet site

A wee bit slow, but not unbearable

The Smile ISA was recommended to me as having the highest interest rate on th market so I thought I would check it out. The application process wasn't quick, but it wasn't slow and was basically as I expected it to be. Once approved all documents and pay-in books were dispatched to me in good...

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Not for me

“Give them a wide berth”

published 30/07/2000

Unable to answer

High handed approach

I was attracted to Smile by the high rate available on a cash ISA. It always seemed to score well in the personal finance press. I went through the application (painless!) and waited for a confiratory e-mail so that I could place my £3000 with them immediately. The response was beyond...

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Excellent

“Smile for Students”

published 09/12/2003

Easy to use, ethical, 24 hr access plus £2000 stud...

not any really unless you count online access only...

I opened my smile account a good few years ago, mainly for the fact that it was an ethical bank with online banking facilities, and of course the generous interest free overdraft limit. In my 3 years of banking with them I have not had any accidents or mishaps, and have been recommending them to...

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