Community Quote

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 ... Read review

User reviews »

1-5 of 127 reviews Show all reviews Show most helpful reviews first Newest first


Community Level 2angelman


Been smiling ever since smile opened their doors

AdvantagesThe BEST bank by far

Disadvantagesnot quite the most competitive interest rates and internet only

"...or the co-op of which smile is a subsidiary. You can setup standing orders, direct debits, pay bills, transfer funds and all the usual banking tasks. Best to look at the online demo to see all this in action. I have used the web site on both mac and pc and even linux and unix. I have used it on netscape 4 and IE. I am currently using netscape7 with no problems. They only validate explorer but the other browers work though with the exception of ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 5ia_young


Left me Smiling all the way to the Bank

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


"...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 of September 2001 they stopped trading in the UK I had to get a new account. The only place that I could think of was Smile, this appealed to me for several reasons, well just the one, I wanted a card with a smile on it! ** Services Offered** Current Account - They offer you a whopping 3.29% gross AER ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 1rlmjam


A bank account that you can smile about

AdvantagesEase of use of the web site, excellent rates of interest

DisadvantagesNone so far

"...fault of our old bank. Smile were always helpful when we rang to check what was happening the operators are always polite and cheerful. Logging on to the site is easy and the information is well laid out. Being able to access real time statements is extremely helpful, especially when you need to check when a particular payment or debit has gone through. Cancelling direct debits is very easy( no writing and hoping it has been done). The use ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 7flashpointz



Advantageseasy to apply for, easy to operate, safe, good security, backed by the Co-op

Disadvantagesnot much

" log in to your SMILE Account. In addition you are requested for a four digit pin number (which you decide on) – all of these things are needed before you or anyone else can access your account. So security is excellent. If someone tried to hack into your account, they’d have to know a lot about you – and then some! If the details are entered incorrectly twice in succession, your account is blocked until you make contact with ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 4assethound


Pink Is The New Red

AdvantagesEasy to use, customer centered

DisadvantagesStill haven't got a million in there yet

"...Current account credit balances on Smile (now 3.04% gross), and that there was a fee free overdraft of £500 attached to each Smile Current Account (handy for those occasional lapses in budgeting), I was very interested. Two other big plus points were that transfers between Smile accounts are instant, and that you can pay money in through your local Post Office. That meant that I could put my wages from my part time job into my partners Smile Savings ..." Read review

Ciao members have rated this review on average: very helpful

Show all 127 reviews

Sponsored links

Are you the manufacturer / provider of Smile? Click here