A Reason to Smile.co.uk (smile.co.uk)

Member Name: witlim

Product:	smile.co.uk
Date:	08/02/09 (110 review reads)
Rating:

Advantages: Excellent, Friendly and Ethical

Disadvantages: No high street presence

I have been a smile.co.uk customer for well over 3 years. Smile.co.uk is part of The Co-operative Group and Bank. I used to work as a trainer for Co-op and would cover the different business areas on employees Inductions. I would talk about smile.co.uk and all the benefits of using Internet banking generally and more specifically what sets smile.co.uk apart from the rest. Then it occured to me that perhaps I should join smile so I can talk in more depth to my inductees and receive all the great benefits!

Smile.co.uk has one of the best customer service staff I have ever come across! Everytime I phone up to transfer money or ask a question they answer propmply and professionally. Also if you have a social conscience then perhaps Smile may fit the bill as it is widely established as an 'ethical' company and has lots of awards (check it out on smile.co.uk). Also as mentioned Smile is pary of the Co-operative group which again as a society has ethical values and principles.

The layout of your Banking Info page is very user friendly and if you have a credit card/ISA/saving account as well as a current account you will see the info all on one helpful page.

Also its worth mentioning when you sign up for a current account you get an automatic 500 pound overdraft. Recently I tried to reduce it (as I found I was always tempted to spend it!) and they informed me they halfed it but I soon realised they had not and so with my complete lack of self-control soon starting finishing the month with -500 in my account! - Oh well, I can hardly blame Smile for my mismanagement of money!

Overall I would highly recommend this bank. They really look after their customers and as long as you are near a post office you can do all your physical banking errands just there!

Summary: Sign up if you want aa great web account!