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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Bank accounts

Ranked 15th of 34 providers reviewed.

Customer happiness 58.95%
Customer trust 56%
Complaints performance 67.61%
Transparency rating 76.73%
Fairer Finance score
Reviewed Spring 2021
65%
Gold ribbon: first place

Credit cards

Ranked 12th of 28 providers reviewed.

Customer happiness 64.04%
Customer trust 48.09%
Complaints performance 67.62%
Transparency rating 66.05%
Fairer Finance score
Reviewed Spring 2021
61%

Savings accounts

Ranked 46th of 50 providers reviewed.

Customer happiness 26.39%
Customer trust 51.42%
Complaints performance 67.62%
Transparency rating 77.17%
Fairer Finance score
Reviewed Spring 2021
56%

Bank accounts

Current accounts

Smile

Current Account

4 stars
Annual fee i £0
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

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Overdrafts

Smile

Current Account

2 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0
Arranged overdraft interest rate (representative EAR) i 35.90%

Credit cards

Cashback and reward credit cards

Smile

Classic Credit Card

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

Smile

Gold Credit Card

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