smile.co.uk

I've been with smile since November 2005 also and I have to say things are really getting worse. They used to be excellent, not now.

I've recently moved home. I asked for a temporary overdraft increase. It was refused. As a result I've wracked up failed payment charges of over £200. Each £30 charge is for a failed debit of around £10-20. Ridiculous. They told me if I think I'm going to go over the authorised limit to contact them, well I have and I just seem to be going in circles! This month will be very hard financially with big moving costs, so I requested the increase again - and refused again on the basis 'of my recent current account conduct'.

I've complained about the charges also and told in a round-a-bout way to get lost and read the T&C's. The challenge is finding them on their website!!!

Smile.co.uk-AVOID-Overdraft 15.9AER,£20 annual charge(if your overdraft isn't £500) I've also had my Smile Account for 8 years since Oct 99, when it first opened. It hasn't changed much in terms of the interface - it hasn't needed to - its perfect, except small points mentioned above. The customer service by phone is fantastic, but slowly more and more fees have been introduced and the rates charged reduced, or increased (overdrafts). Fee's now apply for renewing your overdraft if the amount isn't the default £500. This has annoyed me somewhat as I have had an overdraft of £1500 since 1999, now I'm charged an annual fee of £20 to renew it - this is the last ...

I moved to Smile Internet Bank in November 2005. There was a promotional offer at the time for a case of wine but this was never received. Direct debits and standing orders were supposed to be set up by Smile but I had to do half of them for myself, despite Smile assuring me that they had been done. This included my mortgage payment! I recently logged a dispute over goods not received - Smile have taken just over one month to tell me that they cannot do anything to help. My advice to anyone thinking of opening an account with Smile would be to look elsewhere. There are a number of other internet banks which have a good reputation for customer care - in my ...