smile.co.uk Reviews

After reading alot of positive feedback about Smile, I transferred all my banking to Smile. Unfortunately I have had nothing but inflexibility and unhelpfulness from their customer services. For example Godaddy put a transaction through by accident, taking me overdrawn by about £30, I called Smile, and informed them that the ...  Read the complete review

I switched to Smile from HSBC a few years ago, primarily because of the fact they only invest ethically. One other happy consequence is that the interest on the current account was higher (confirmed again today by a quick glance at the Money section of the newspaper but obviously check yourself!). No regrets at all since ...  Read the complete review

I closed an account well over 12 months ago because this bank was hopeless.They didnt close it and paid a debit (it ,must be some yearly thing I had completely overlooked) a few months after I told them to close the account - I know I closed it leaving it clear.They phoned me the other day to say i was overdrawn £130!!I have paid the amount of the debit 116.20 but refuse to pay the interest they have added as it should have been closed when i asked.They still refuse to close the account - how stupid is that? No doubt they will add interest to the interest.They also threaten me with debt collectors for the £20 interest their incompetence has created.A truly appalling excuse for a bank and nothing to smile about at all.Steer clear.

This bank is rubbish when it comes to customer service. I recently intended to change to smile from cahoot, but glad I didn't. I even arranged for all my direct debits and standing orders to be changed over.They said that this would take about 2 weeks but in reality would have taken six. I am glad that I kept my cahoot account open as I have now closed the smile account. When I rang to close the account the person at the other end did not seem too concerned and did not ask for any reason.

When we moved a few months ago now I realised very quickly that gaining access to the bank I hold my main account with was going to be a nightmare with my nearest branch being over an hours drive away. This teamed with the fact that I had received a cheque from my previous local council with both mine and my other half's name on lead me ...  Read the complete review

I have been a smile customer since I was a university student in 2002. I switched from HSBC and I have not regretted it for a second. Although they don't have a branch network of their own you can pay money in at the post office or at cooperative bank branches. It is better for the environment as you don't get sent statements or junk ...  Read the complete review

We use smile for all of our day to day banking as well as savings and only have good things to say about them. Their website is easy to use and navigate around and it is very convenient to just be able to pop onto it to set up a transfer or payment. All past payments are stored making it even easier to make later payments to the same ...  Read the complete review

I have had a smile current account for about 5 years now, when me and my husband moved in together this was the joint account that we opened. We have had the Smilemore account for a short while, but soon changed back to the regular (and free) current account as we found the benefits such as breakdown cover and travel insurance etc ...  Read the complete review

I have been a Smile customer for 5 years, having a Current Account and Visa Credit card. Until the last year or so I was very impressed with them - any questions were dealt with on the secure message service promptly and efficiently. The phone service was also good, extremely friendly and courteous. However, recently I have noticed an ...  Read the complete review

With banks, there is always more than two arguments as to whether the account is right for you. My side is for someone that has always been in credit and never used the overdraft facility. The account was opened probably 5 or 6 years ago and I was suprised how easy this was. They supply you with a chequebook and a debit ...  Read the complete review

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!!!

I have never had any problems with Smile at all and would recommend them to anyone. I joined them approximately 2 years ago following the end of an IVA I had completed. They seemed to be one of the only banks that wanted to give me a chance to prove myself now as "money trusted" and were so helpful it was great. My ...  Read the complete review

I was seduced by Smile Bank's assurance that transferring my current account with all my DD's and my account balance to them would be painless and would take 14 days or less. Nearly three months later the Smile account is still not active and they've closed my old HSBC account. I'm now in a financial limbo - DD's are being ...  Read the complete review

It doesn't matter if your a big or a small account holder everyone is treated with the same curtisy. Their current accounts are easy to manage and I love the way they email you to let you know when your statements have been updated, so much easier than waiting for the post or having to visit the cash machine. Which brings me to another ...  Read the complete review

Like so many people my first current account was with one of the 'big four' who dominated retail banking in the UK for so long. I chose Barclays - largely on the basis that my brother worked for them and their branch was close to my house. In late 2000 however my attention was caught by smile - a bank only a year old and ...  Read the complete review

As someone who errs slightly towards trades unionism, and the like I decided to switch my current account to the newest offering from the Co-Operative bank, Smile. Now, I should point out that I am a mere 18 years old, getting hold of a decent current account through banks is a bit of a pain, I earn less than £6,000 a year as a ...  Read the complete review

People that have read a few of my last reviews may have noticed that I?ve been having a little problem with my car. Well it?s kind of turned into quite a big problem now that is going to cost about £800 to sort out. It?s a pain in the proverbial as I?m on the summer hols and I had lots planned. Unfortunately, ...  Read the complete review

Smile makes me smile. - Advantages: Ethical., High interest rates on current and savings accounts., Smooth service. - Disadvantages: High overseas credit card charges., Online banking pages could be improved.

I love Smile. Often, I want to cuddle them. They were the bank that was invented for me. First: internet banking. No messing about here, it's fast and easy. If you have a current account, loan account, credit card, ISA, savings account - they're all accessible from the same screen. Transferring money or paying bills is a ...  Read the complete review

I first opened a Smile cash mini ISA savings account in 2000. For a savings account, you expect to leave the money there for quite a while if all goes well, but you want access to your cash if needed. So the most important thing was to find the best rate of interest on an account with no notice period for withdrawals. Smile fitted the ...  Read the complete review