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 current accounts, credit cards, mortgages, savings and ISAs.
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| Customer happiness score | 63.01% |
|---|---|
| Customer trust score | 58.54% |
| Complaints performance | 59.83% |
| Transparency rating | 79.57% |
| Fairer Finance score Reviewed Autumn 2023 |
65% |
| Customer happiness score | 59.18% |
|---|---|
| Customer trust score | 51.02% |
| Complaints performance | 60.59% |
| Transparency rating | 69.56% |
| Fairer Finance score Reviewed Autumn 2023 |
60% |
| Customer happiness score | 16.36% |
|---|---|
| Customer trust score | 36.36% |
| Complaints performance | 59.92% |
| Transparency rating | 80.55% |
| Fairer Finance score Reviewed Autumn 2023 |
48% |
| Annual fee i | £0.00 |
|---|---|
| Maximum cash machine withdrawal per day i | £250.00 |
| Part of FSCS i | |
| Cash withdrawal fee in UK (own bank) i | £0.00 |
| Card payment fee (£) i | £0.00 |
| App capability? i |
| Foreign cash withdrawal fee i | 2.75% |
|---|---|
| Foreign cash withdrawal additional charge i | £0.00 |
| Foreign purchases fee i | 2.75% |
| Is there a limit on free cash withdrawals? i | No free cash withdrawals |
| Risk based overdraft? i | |
|---|---|
| Arranged overdraft interest free amount i | £0.00 |
| Arranged overdraft interest rate (representative EAR) i | 35.9% |
| Foreign purchase fee i | 2.75% |
|---|---|
| Foreign withdrawal fee i | 3% |
| Representative APR i | 19.9% |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Risk based? i | |
| Representative purchase rate i | 1.521% |
| Foreign purchase fee i | 2.75% |
|---|---|
| Foreign withdrawal fee i | 3% |
| Representative APR i | 15.8% |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Risk based? i | |
| Representative purchase rate i | 1.227% |