Chryssy 5

Chryssy

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Member since:27.08.2003

Reviews:5

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Smile Student Account-Superb

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28.10.2003

Advantages:
efficient, easy to use and great service

Disadvantages:
None

Recommendable Yes:

Detailed rating:

Efficiency of service

Competitiveness of charges/rates

Online - Content/organization of site

Staff courtesyExcellent

Promptness of serviceExcellent

Online - Reliability/speed of siteExcellent

Online - Ease of applying for productsExcellent

Online - Investment trackingNot Applicable

10 Ciao members have rated this review on average: helpful See ratings
very helpful by (50%):
  1. Deru
  2. Buenosdias
  3. Protagonist
and 5 other members
helpful by (44%):
  1. s_jones_2003
  2. KerriLou
  3. DavidJWest
and 4 other members
not helpful by (6%):
  1. robert1

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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 incentives but thats where it stops. As soon as you have a few money worries, the fees get whacked on and you are treated like a second class citizen.
For the student, it seems internet banking is definitely the way forward.No hassle, quick decisions and far less embarassing!!

SMILE Student Account-What makes it different from the rest?

24hr banking is a fantastic bonus. I have seen the cues at Student banks on campus and am quietly relieved that I can sort everything out over the net.
Granted, you have to go into the Co-operative bank to make deposits but this is one area that the co-op excels in. No filling out and fumbling for missing pens and deposit slips. You take your cash card your cash and hand it over to the cashier. The cashier prints off a receipt-you sign...THATS IT!! Oh by the way if you dont have a local co-op bank you can make deposits at any post office as well.

Transfer cash,change your address and contact details, pay bills, cancel direct debits, ask for an overdraft increase..yes you can do it all online. It really is so simple and I like the fact that I have control. No time wasting cuing to see a customer services representative and then having to produce i.d and fill out copious amounts of forms


Overdraft Facility

Is tiered and increases for each year of study.One of the best 1st year overdrafts at £1000.
The Tiers currently stand as follows:
year free overdraft limit
1 £1,000
2 £1,400
3 £1,800
4 £2,000


Rates
Interest at 3.04% gross, this is a highly competitive current account.

Fees

25% EAR for going over your overdraft without notifying the bank and only a £5 charge. Smile are a very reasonable bank and give you some leeway if you notify them of problems in advance. I have nothing but praise for the empathy and customer service.

Opening an Account

Simple to open up you only have prove that you are a UK resident/citizen in full-time education for 6 + months and either deposit at least £300, or
an LEA grant cheque, or
a student loan (you'll need to provide proof that you have funding of £2,500 or more.)

Overall this is a fantastic student account, no fancy frills but good service and fair rates.
Apply online at www.smile.co.uk
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Comments about this review »

s_jones_2003 17.08.2004 12:33

I've currently got my student bank account with HSBC and never had any problems from that at all! Sarah x

Deru 04.02.2004 12:28

Nice. Answered what I wanted to know.

eve6kicksass 15.11.2003 00:59

I'm sure you know this is the exact same op as your last one...but, hey if it gets more reads!!! Chris xxx

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Review Ratings »

This review of Smile Accounts has been rated:

"very helpful" by (50%):

  1. Deru
  2. Buenosdias
  3. Protagonist

and 5 other members

"not helpful" by (6%):

  1. robert1

The overall rating of a review is different from a simple average of all individual ratings.



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