Smile Current Account
Full product details for the Smile Current Account, including account details, application criteria, facilities, rates, overdraft, fee & charges, incentives, student & graduate incentives and business accounts.
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Smile Current Account Features & Benefits
| Representative Example | If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable). | |
| Account Type | overdraft | |
| Monthly Charge | £0 | No monthly service charge is made. |
| Minimum Monthly Credit | £0 | No minimum monthly credit is required. To open a smile current account the customer must agree to pay in their salary, pension or £1,000 a month. |
| Interest Free Overdraft Limit | none | No interest free overdraft available. |
| Standard Overdraft Rate | 0% | Authorised overdraft rate of 0% EAR between 5th January and 4th April 2012. After this time the authorised overdraft rate is 15.9% EAR. |
| Headline Interest Rate | 0.12% | The headline interest rate is 0.12% AER. |
| Reward Payment | £0 | No reward payment payable. |
| Minimum Investment | £0 | There is no minimum investment required. To open a smile current account the customer must agree to pay in their salary, pension or £1,000 a month. |
| Internet Banking | yes | Internet banking is available. The customer can transfer cash electronically between accounts, pay bills online and set up standing orders. |
| Branch Banking | no | This account cannot be operated through a branch. |
| Telephone Banking | no | Telephone banking is not available. |
| Account Promotions | yes | The following benefits are available: - reduced credit card rates; - extra interest on savings accounts. |
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Compare Smile Current Account With These Current Accounts
Coventry Building Society Coventry First
- Get an initial interest rate of 1.1 percent.
- Limitless maximum high interest balance is available to customers.
- Same day BACS deposit clearance time.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
Ulster Bank U First Account
- Get £0 purchase charge.
- Unlimited maximum high interest balance is available with U First Account.
- Get same day BACS deposit clearance time from Ulster Bank.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 13.6% EAR (variable).
Lloyds TSB Classic Account with Control
- You enjoy 0 percent ATM withdrawal cost UK from Lloyds TSB.
- Take advantage of an overdraft letter charge of £0.00 from the Classic Account with Control.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.28% EAR (variable).
Lloyds TSB Vantage Classic Account with Control
- Minimum additional deposit of £1 is offered to customers.
- Overdraft letter charge of £0.00 is offered with Vantage Classic Account with Control.
- Customers get same day cash deposit clearance time from this Vantage Classic Account with Control.
- Get a transaction charge of £0 from this current account.
- Vantage Classic Account with Control gives an expense for copy of cheque of £0.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.28% EAR (variable).
Lloyds TSB Student Account
- Enjoy a cost for copy of cheque of £0 from this Student Account.
- You get free YHA membership.
- Get a maximum account term of 6 years.
- Take advantage of £0 direct debit set up payment.
- This current account offers an unauthorised overdraft rate of 8.21 percent.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
RBS Graduate Royalties Account
- Get a standing order fee of £0.
- Get an initial interest rate of 0 percent.
- Get a minimum withdrawal of £1 from the current account.
- £0 cashback is offered with the current account.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
