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Member since:08.12.2003

Reviews:2

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Smile for Students

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09.12.2003

Advantages:
Easy to use, ethical, 24 hr access plus £2000 student overdraft

Disadvantages:
not any really unless you count online access only as a disadvantage

Recommendable Yes:

Detailed rating:

Efficiency of service

Competitiveness of charges/rates

Online - Content/organization of site

Staff courtesy

Promptness of service

Online - Reliability/speed of site

Online - Ease of applying for products

Online - Investment tracking

10 Ciao members have rated this review on average: somewhat helpful See ratings
helpful by (15%):
  1. sparkydog
  2. Benniash
somewhat helpful by (85%):
  1. nikki_leeds
  2. SueMagee
  3. buster_uk
and 8 other members

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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 all my friends and family.

However I have noticed a few flaws which may be useful to anybody looking at opening a student bank account.

A student Smile bank account is treated different from other Smile accounts in which although a £1000 overdraft is given with the account being opened. If you wanted to apply for an ISA you can’t do so from the logon screen like normal smile account holder but have to apply again, whereby filling in another form with all your details. The same goes for a Credit card,

I realise these issues are not really that much of a problem but it does take a good 10/20 minutes to open an additional account when it could have been done with a click of the button.

Finally the interest rates at 3%, whilst the bank of England rates is 3.75% are not spectacular but you can do worse.
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Comments about this review »

buster_uk 10.12.2003 11:01

I've got an online account with Halifax, i think they are better and halifax give you guarantee that if the money gets robbed they'll putit back in, its that secure. jimmy:)

magicloudz 10.12.2003 01:20

I've never trusted online banking, I hope their servers are secure:) -Jon

SarahP 10.12.2003 00:02

Sorry for the low rating, if you do edit let me know and I will gladly re-read/rate. cheers :o)

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Review Ratings »

This review of Smile Accounts has been rated:

"helpful" by (15%):

  1. sparkydog
  2. Benniash

"somewhat helpful" by (85%):

  1. nikki_leeds
  2. SueMagee
  3. buster_uk

and 8 other members

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



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