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Excellent4.4(64 ratings)

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Reviewed by: dcw1910

I have been with the same online bank for years. I did have some savings but years of bills debts and also not...

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Does Smile provide your current account?

Tell us what you think of them because it will help others.

Compare Smile Current Accounts

This comparison includes current accounts for this company.

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  • Lowest account fee
  • Highest interest rate
Smile Current Account
Account fee & requirements
No monthly fee
Overdraft
£20 buffer, then 18.9% EAR variable
Interest rate
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 18.9% EAR variable.

Smile current account reviews

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Does Smile provide your current account?

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09/12/14

Recommended

Savings? What savings?

I have been with the same online bank for years. I did have some savings but years of bills debts and also not adding to them has dwindled my savings down to a few pence. One day I hope to start saving again but at the moment I must concentrate on paying off debts as this is the best use of my limited available funds. I sometimes worry that I haven't got savings but everything I read says pay off debts first.

3
Satisfactory
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

22/11/14

Recommended

It'll make you smile

Smile is quick, easy to understand and simple to use. The range of products is, as far as I am concerned, ample for anyone and not overcomplicated with different types of service offered. I searched for them online years ago and in that time customer service has always been good. My only concern was that the newer management of the bank was much more hard-nosed than when I opened my first account, they certainly are - like any bank - fine when you have plenty of money but difficult to deal with when you are not so well endowed. You could not, for example get much help in an emergency.

Easy to use

Not so user friendly if you are over 65!

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

21/11/14

Recommended

Been a customer for over 10 years

I've never had a problem with Smile, they have always been very helpful. Excellent customer service. I was a victim of card fraud and they sorted everything out for me. I was also attracted to them being the ethical bank and I hope this is still the case. I've always found it easy to contact them, either by secure message through the website or by telephone.

Great customer service.

No shop on the high street.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

19/10/14

Recommended

Current accounts

Good service. Secure banking, helpful customer service, reliable.internet banking. Good telephone support.convenience.quick transfers of money.easy to set up direct debits.i have been banking for 15 years and have had a great service .i would not change from banking with smile to any other bank.paper less and reduce the cost of account maintenance.

Internet only

No mortgage-buy to let

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

18/10/14

Recommended

Smile- the happy bank

I have banked with Smile for a long time, and have recommended the bank to many of my friends. Although the bank is internet based, it has always been like having a local branch, in that contact has always been very quick and easy. Emails are replied to almost instantly, and phone calls are answered quickly and efficiently. HOWEVER, although I have always had exceptional service with my personal account, I have recently had poor service regarding a Sports Club account. The bank seemed to go out of its way to tie up the account with red tape, and it has proved extremely difficult just to change one of the signatories. If this attitude spreads to personal accounts, I will not be happy....

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Smile provide your current account?

Tell us what you think of them because it will help others.