Advantages easy to use, secure, great customer services
Disadvantages not much human contact
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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 7.25% - a highly competitive rate. Since then it has dropped, but the rate is still one of the best around.
Their customer services team (reachable via their secure message service or telephone) are very quick to respond (within 12 hours often) and readily answer any queries you may have.You apply for the smile ISA on-line and, if done during the times suggested on the site, the answer will arrive very quickly. I applied outside these times and it took approximately 48 hours to have my application dealt with. Having said this, it was undoubtedly quicker than a conventional, off-line, bank’s system.
Overall, smile are a very good bank to invest in and their cash mini ISA is one of the best around.
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