Smile Smilemore Traveller
Compare the Smile Smilemore (Traveller) with the UK's best current accounts, including application criteria, incentives, facilities, overdraft, rates and fee & charges.
 |  Compare Smile Smilemore (Traveller) details directly with other current accounts or compare current accounts using our current account comparison tables. | ||
| Company: | Smile www.smile.co.uk | ||
| Product: | Smilemore (Traveller) | ||
| Apply via this site: | Not available | ||
| Application Criteria | |||
 Minimum income: | No minimum income required to open this account. | ||
| Minimum Monthly Credit: | 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. | ||
| Minimum Investment: | 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. | ||
| Maximum Investment: | Unlimited | ||
| Minimum Age: | The minimum age to open this account is 18. | ||
| Maximum Age: | Unlimited | ||
| Existing Customer Only: | This account is not only available to existing customers. | ||
| Area Restrictions: | No area restrictions . | ||
| Transfer Assistance: | Once the new smile accounts has been opened, smile's dedicated switching team will transfer the customer's old current account across to smile. They will swap all direct debits and standing orders and provide letters to switch any payments they receive to smile. The process usually takes around 14 days. | ||
| Incentives | |||
| Account Promotions: | Money * Special rates on other products, including credit cards, personal loans, savings and cash ISAs. Travel * Free annual worldwide family travel insurance, including winter sports. * Commission free foreign currency. Motoring * Breakdown cover available Other Incentives * Four free airport lounge passes per year, Airport Angel annual membership, passport and luggage recovery service worth up to £129.50 * 20% off a large range of attractions, car hire, hotels and holidays with the Privilege and Privilege Premier Smartsave card * Co-operative Legal Services advice helpline * 20% Home insurance discount from The Co-operative Insurance | ||
| Incentive Cashback £: | This incentive is not available with this account. | ||
| Incentive Moneyback: | This incentive is not available with this account. | ||
| Incentive Pref Rate/Deals: | Preferential rates are available to all current account customers for their credit card, savings account, and cash ISA. | ||
| Incentive Disc/Vouchers: | Up to 20% off a large range of attractions, car hire, hotels and holidays with the Privilege and Privilege Premier Smartsave card | ||
| Incentive Breakdown: | Car breakdown incentive available. | ||
| Incentive Protection: | This incentive is not available with this account. | ||
| Incentive Other Insurance: | This incentive is not available with this account. | ||
| Incentive Savings Sweep: | This incentive is not available with this account. | ||
| Incentive Currency: | Commission free foreign currency. | ||
| Incentive Other: | Customers have the choice of three benefit bundles which they can add to their existing account account benefits Option 1: Gadget Insurance cover for MP3, cameras, laptops, camcorders, SatNav, portable DVD players, and games consoles etc worth up to £179.98 Option 2: Safeguard Cover against ID theft and resolution package, including key recovery service, handbag and contents insurance Option 3: Traveller Four free airport lounge passes per year, Airport Angel annual membership, passport and luggage recovery service worth up to £129.50 | ||
| Facilities | |||
| Internet Banking: | Internet banking is available. The customer can transfer cash electronically between accounts, pay bills online and set up standing orders. | ||
| Branch Banking: | This account cannot be operated through a branch. | ||
| Telephone Banking: | Telephone banking is not available. | ||
| Post Office Banking: | Customers can make the following transactions at a Post Office branch: withdraw funds and check their balance using their card and PIN, make a cash deposit using their card and pay in cheques with a personalised paying in slip and deposit envelope from their Bank. | ||
| Standing Orders: | Standing order facility available. | ||
| Direct Debits: | Direct debit facility available. | ||
| BACS Transfers: | Electronic transfers are acceptable. | ||
| CHAPS Transfers: | Electronic/Telegraphic transfer service is available. | ||
| Bill Payment Service: | A bill payment service is available - on-line. Every company payed this way will be added to the personal bill payment record. The customer can have as many entries on their bill payment record as they need and can change or cancel them at any time. | ||
| Statement Frequency: | Statements are issued monthly or upon request. | ||
| Min Additional Deposit: | Unlimited | ||
| Minimum Withdrawal: | Unlimited | ||
| Withdrawal Restrictions: | Withdrawal Conditions - None. | ||
| ATM Card: | An ATM card is issued with this account and can withdraw up to £250 per day from over 25,000 LINK cash machines. | ||
| ATM Mini Statements: | The last four transactions are available to view. | ||
| Max ATM Withdrawal: | Can withdraw £250.00 cash from one of over 32000 UK Link ATMs or from Post Office each day. | ||
| Cheque Book: | A cheque book is available. | ||
| Cheque Guarantee Card: | A cheque guarantee card is issued of £100. | ||
| Cheque Clearance Time: | Funds from paid-in cheques are available for withdrawal on the third business day after the cheque arrives at a Co-operative Bank branch or Smile. For this reason, cheques paid in at the Post Office will take an extra day. Also, allow extra time for postage. | ||
| Debit Card: | A VISA Debit card (or an Electron Debit card if preferred) is available. | ||
| Debit Card Type: | A VISA Debit card (or an Electron Debit card if preferred) is available. | ||
| Passbook: | A passbook is not issued. | ||
| Text Messaging Events: | There are no text messaging facilities available. | ||
| Text Mini Statements: | There are no text messaging facilities available. | ||
| Travel Ins Winter Sport: | Free worldwide travel insurance including winter sports is available. | ||
| Overdraft | |||
| Overdraft Facility: | Overdraft facilities are available on this account. | ||
| Interest Free O/D Limit: | The first £260 of the £500 fee free overdraft is interest free. | ||
| Automatic O/D Facility: | A fee free overdraft facility of up to £500 is available on this account for the frist 12 months from account opening. This is a special offer, thereafter customers will have to apply for an agreed overdraft. | ||
| Overdraft Buffer Limit: | No buffer is available on top of the automatic fee-free £500 overdraft given to everyone on opening of account. | ||
| Overdraft Arrangement Fee: | A £20 overdraft arrangement fee is payable for all overdrafts over the £500 automatic limit. | ||
| Auth O/D Rate-APR/EAR: | Authorised overdraft rate of 11.9% EAR. | ||
| Mthly Auth O/D Charge: | No monthly authorised overdraft charge. | ||
| Unauth O/D Rate-APR/EAR: | Unauthorised overdraft rate of 15.9% EAR. | ||
| Mthly Unauth O/D Charge: | If the agreed overdraft is exceeded a monthly management fee of £20 will be charged. | ||
| Overdraft Letter Charge: | No charge made for overdraft letters. | ||
| Rates | |||
| Headline Interest Rate: | The headline interest rate is 0.12% AER. | ||
| Rate Guarantee: | There are no interest rate guarantees. | ||
| Introductory Bonus: | No introductory bonus payable. | ||
| Amount of Bonus: | The bonus amount is - 0% | ||
| Open-ended Bonus: | No open-ended bonus payable. | ||
| Non Standard Tiers: | Gross Rate Gross Rate AER Excluding Bonus Including Bonus £1 0.12% 0.12% 0.12% | ||
| Gross AER - £1/£50: | 0.12% | ||
| Gross AER - £500: | 0.12% | ||
| Gross AER - £1,000: | 0.12% | ||
| Gross AER - £2,500: | 0.12% | ||
| Gross AER - £5,000: | 0.12% | ||
| Gross AER - £10,000: | 0.12% | ||
| Gross AER - £25,000: | 0.12% | ||
| Gross AER - £50,000: | 0.12% | ||
| Gross AER - £100,000: | 0.12% | ||
| Interest Payment Freq: | Interest is paid monthly and added to the account. | ||
| Interest on Withdrawal: | Interest ceases to be calculated on withdrawn funds from the day of withdrawal. | ||
| Int Added to Account: | Interest is added to the account. | ||
| Interest Paid by Cheque: | Interest cannot be paid by cheque. | ||
| Int Paid to Bank A/c: | Interest cannot be paid to a bank account. | ||
| Int Paid to Other A/c: | Interest cannot be paid to another account. | ||
| Int After Cash Deposit: | Cash paid in at a Co-operative Bank branch is available immediately if paid in using account card, or by the end of the day if paid in by slip. | ||
| Int After Cheq Deposit: | Interest calculated on higher balance from the third day after deposit. | ||
| Int After BACS Deposit: | Interest calculated on higher balance from the day of deposit. | ||
| Interest Variant: | No | ||
| Max Balance High Interest: | Unlimited | ||
| Fee & Charges | |||
| Free Banking: | A monthly subscription charge is made. | ||
| Monthly Charge: | A monthly subscription of £12.00 is payable. | ||
| Standing Order Charge: | No standing order charge. | ||
| S/O Setting Up Charge: | No standing order setting up charge. | ||
| S/O Amendment Charge: | No standing order amendment charge. | ||
| S/O Cancellation Charge: | No standing order cancellation charge. | ||
| Unpaid S/O Charge: | An unpaid standing order charge of £30.00. | ||
| Direct Debit Charge: | No direct debit charge. | ||
| Debit card charge Europe: | No fee, other than the conversion fee, is made for debit card transactions abroad. | ||
| D/D Setting Up Charge: | No direct debit setting up charge. | ||
| D/D Amendment Charge: | No direct debit amendment charge. | ||
| D/D Cancellation Charge: | No direct debit cancellation charge. | ||
| Unpaid D/D Charge: | An unpaid direct debit charge of £30.00. | ||
| CHAPS Charge: | A CHAPS payment charge of £25. A euro CHAPS payment charge of £25. | ||
| Stopped Cheque Charge: | A stop cheque charge of £10. | ||
| Unpaid Cheque Charge: | An unpaid cheque cheque charge of £30.00. | ||
| Transaction Charge: | No transaction charge. | ||
| Unauth Transaction Fee: | A charge of £20 is made for each day the unauthorised balance increases, up to a maximum of 4 daily fees per charging period. | ||
| ATM Withdrawal Charge: | Withdrawals from all LINK ATM machines are free. | ||
| ATM charge Europe: | There is no charge made for ATM transactions abroad. | ||
| A/c Transfers Int. Free: | No account transfer interest free facilities. | ||
| Bankers Draft Charge: | A bankers draft charge of £10. | ||
| Copy Cheque Charge: | A copy cheque charge of £10. | ||
| Duplicate Stat Charge: | A copy statement charge of £2.50 (if original statement is less than a year old and available online, the customer can print off it off themselves free), or £10 if original statement is more than a year old and no longer available online. | ||
| Special Clearance Charge: | Special presentation charge of £10. | ||
| Forex fee % Europe: | A conversion fee of 2.75% is applied to all transactions abroad. | ||
| Other Charges: | Copy sales voucher charge of £10. | ||
| Compare | |||
| Products: | www.smile.co.uk Current Accounts | ||
