Smile is the first full-service online bank in the UK launched in 1999. It offers a broad array of online banking products and services including savings accounts, current accounts, smile cash ISAs, fixed rate cash ISAs, fixed rate bonds, classic and gold credit cards with no annual fee, mobile and online banking, telephone banking, mortgages as well as insurance services through Legal & General. The company is no longer offers personal loans. Smile is part of The Co-operative Bank plc. Andrew Bester is Chief Executive Officer (CEO).

Smile Current Account Features:
No monthly account fee
£500 overdraft
An EU resident
18 or over
Earning a gross annual income of at least £6K
Five Star Rated by Moneyfacts
You need only 10 minutes to open a new account online.

No-notice Savings account:
The minimum opening deposit is £1
The maximum balance is £1 million
0.50% Gross/AER variable (Existing current account customers)
0.46% Gross/AER variable (Non-smile current account customers)
There are no restrictions on the number of withdrawals.
You can use your cash card to withdraw up to £250 per day.
Visit any Post Office branch to withdraw up to £250 per day.
There are about 70,000 ATMs in the United Kingdom. Some ATMs may charge for cash withdrawals.

Britannia Select Access Saver 10 account:
The minimum opening deposit is £500
The maximum balance is £1 million
Interest rate is 1.40% Gross if you make 4 withdrawals or less in a year.
Interest rate is 0.30% Gross if you make 5 withdrawals or more.

Smile bank address:
P.O. Box 101
1 Balloon Street
Manchester, M60 4EP
United Kingdom
Telephone: + (44) 3457 212 212
Hours: 8 am – 8 pm
Monday - Sunday
7 days a week
Website: www.smile.co.uk

Live Chat:
Open 7:00 a.m. - 10:00 p.m. every day

Updated as of February 21, 2020.