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Excellent

Ease of use of the web site, excellent rates of in...

None so far

Like a lot of people I was fed up with my existing bank and decided to change to an internet bank. I phoned Smile's customer service line to find out how easy switching my account would be and was impressed with the knowledge and helpfulness of the operator. My wife and I applied for individual...

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Super

“quick and easy”

published 15/07/2000

easy to use, secure

remembering security questions!

Smile is the only on-line bank account I have and I think it's very good. It's the first one I've tried so I was a little wary but the fact that it's part of the Co-op bank swayed me. I opted for the savings account and signing up was quick and easy, no sending off passports or driving licences...

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Excellent

The BEST bank by far

not quite the most competitive interest rates and ...

Background: I have been a customer from year1. I had (still have in fact) accounts with barclays and abbey national however they are now used only for emergencies now. Disatisfied with both I looked at the newly advertised smile. The great interest rates - ethical banking (it being part of co-op)...

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Excellent

“SOMETHING TO SMILE ABOUT”

published 28/11/2001

easy to apply for, easy to operate, safe, good sec...

not much

If you are worried about Online banking, you could do a lot worse than dip your toe in the water with SMILE My first successful attempt at banking online was with First-e, but when that French based ‘online-only’ outfit withdrew their operations from the UK Some three months ago, it...

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Excellent

secure service, good rates, fast site, easy to use

none

If you talk about internet banks the chances are that someone will mention Smile.co.uk, this is partly due to the large advertising campaign they ran on TV insisting that everyone smile (a nice thought!). The first internet bank that I set up with was First-e, but due to the fact that at the end...

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Excellent

“Pink Is The New Red”

published 26/12/2002

Easy to use, customer centered

Still haven't got a million in there yet

A letter arrived from my bank. After a rather extended period of student and graduate banking covering my ordinary degree and Masters, they kindly informed me that my TIME WAS UP. Not wanting to bother me with unnecessary paperwork, they told me that I didn't have to worry about a thing - they...

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Excellent

More ethical bank, great service

No branches - telephone and internet access only

Smile is an internet and telephone bank, one that does without the high street branch. But that doesn't prevent it offering great customer service, and a variety of decent products. It's part of the Co-operative Bank, so its customers can make use of Co-op branches if really necessary, however in...

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Excellent

“A Cheshire-cybercat is born”

published 21/03/2001

ETHICAL! Good interest rate. £500 overdraft

Nasty cerise logo that scared my budgie

My first response to ‘Smile:The Internet bank’ was not a particularly positive one. In fact, upon catching a glimpse of its logo, my instinctive reaction was to shield my eyes, recoil in horror, and scream “Aaarghhh! No! Bright cerise! Bright cerise!” in a kind of mogwai...

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Excellent

“Great service”

published 14/05/2001

Oddles

Setting up Standing Orders

I'd been considering opening an internet account for some time and Smile's consistent position at the top of the ratings, high interest rate and the fact that they were not a bank (and don't I hate them) attracted me - oh, and one of the zany adverts. Positives (lots): - easy to use, intuitive...

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Excellent

Easy to use, top rates, 'socially responsible'

none that I have found

Fed up with mean interest rates from my standard savings account and even more fed up with losing money from buying shares, I decided to take a look at the extremely dull world of cash ISA's. After researching a fair amount on-line to find the best deal, it seemed that Smile (run by the CO-OP)...

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Competitiveness of APR
Product package
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Excellent

High interest rates, Full banking services, Free c...

Pink colour scheme

OK. I've been with Smile for nearly a couple of years now. I've had a Student Account (now converted to a normal Current Account), a Savings Account, a Personal Loan and an ISA account with them. In fact, I am so happy with their service and policies, that I finally told my existing bank (the...

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Excellent

“I'm Smiling now”

published 09/01/2004

A great all round product - and ethical too

i can't really think of any

About 4months ago I decided it was time to re-evaluate my current account, after plodding along with Barclays for many a year it was time for a change. Being the 'net-head that I am a good online service was high on my list of priorities as was a good interest rate, something that is quite rare...

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Super

“Smiles and frowns”

published 05/03/2001

Easy, secure, competitive and funky!

Problems getting bank card

I have been using Internet banking for 4 years in South Africa and recently moved to the UK. I was shocked to see how poor the level of internet banking facilities of many of the high-street banks were. I did a fair amount of research into all the banks with Internet facilities and decided to use...

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Super

“A bank that makes you Smile”

published 10/11/2002

Easy to use, convenient, they make moving to smile...

Slow to load on a 56K modem

I first joined smile when it first started back in late 1999. Partly because of the funky music that accompanied the TV ads, but mostly because at the time there were very few Internet banks to choose from. In fact, I had an account with Lloyds at the time, and when I asked my Bank Manager about...

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Excellent

“Smiling most of the time”

published 01/12/2000

easy to change from existing bank; helpful and eff...

sometimes difficult logging on

My husband and I banked with the Abbey National for many years. However, they made a few errors that cost us money and were none-too-helpful in sorting them out. We wanted to move but thought it would be too much hassle, changing direct debits, etc. Then we found Smile, the Internet Bank. They...

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