Smile

Formed in 1999 as the UK's first internet-only bank, Smile is an online bank owned by The Co-operative Bank plc.

The Co-operative Bank plc also trades under their own name as well as Britannia.
Smile offers customers full banking products including mortgages, savings and ISAs, as well as insurance.
Their registered address is in Manchester.
Smile
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Gold ribbon: first place

Bank accounts

Ranked 7th of 34 providers reviewed.

Customer happiness 62%
Customer trust 55%
Complaints performance 64%
Transparency rating 68%
Fairer Finance score
Reviewed Autumn 2019
62%
Gold ribbon: first place

Credit cards

Ranked 2nd of 32 providers reviewed.

Customer happiness 65%
Customer trust 59%
Complaints performance 65%
Transparency rating 70%
Fairer Finance score
Reviewed Autumn 2019
65%

Savings accounts

Ranked 39th of 46 providers reviewed.

Customer happiness 33%
Customer trust 44%
Complaints performance 65%
Transparency rating 63%
Fairer Finance score
Reviewed Autumn 2019
51%

Bank accounts

Current accounts

Smile

Current Account

5 stars
Faster Payment limit i £100,000
Maximum cash machine withdrawal per day i £500
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0
Card payment fee (£) i £0
App capability? i

Foreign use bank accounts

Smile

Current Account

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i 2% (Minimum £2)
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Credit cards

Cashback and reward credit cards

Smile

Classic Credit Card

3 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £48
Estimated amount of money customers get back after the 1st year (minus annual fee) i £48
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.75%

Foreign use credit cards

Smile

Classic Credit Card

1 stars
Representative APR i 19.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.52%

Smile

Gold Credit Card

1 stars
Representative APR i 15.80%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.23%

Low rate credit cards

Smile

Classic Credit Card

4 stars
Representative APR i 19.90%
Representative cash transaction interest rate i 2.07%
Representative purchase rate i 1.52%
Risk based? i
Representative balance transfer rate i 1.52%
Representative money transfer rate i

Smile

Gold Credit Card

2 stars
Representative APR i 15.80%
Representative cash transaction interest rate i 2.07%
Representative purchase rate i 1.23%
Risk based? i
Representative balance transfer rate i 1.23%
Representative money transfer rate i