aliasrob's Review of Smile Current Account
30th Oct 2007
Overall Rating
- Customer Service
- Ease of use
Interest free overdraft... that's about it.
Bad Points
Banking system is outdated and difficult to use
Over-limit charges are unreasonably high
Customer service is unresponsive
Cheques take a long time to clear
General Comments
The Smile Current Account "secure messaging system" is a joke - you can't send messages longer than 1000 characters long (this can be a real problem when you need to quote previous correspondence), and they are answered fairly infrequently. Customer services people are unhelpful.
Most of all, their over-limit charges are extortionate. I originally moved to them from Barclays because I was tired of getting charged £35 for going a couple of pounds over my limit, but it turns out that Smile are much worse on this count.
Furthermore, their online banking system is archaic and confusing to use. Compared to Barclays, who have a very good online banking system (apart from the £1000 limit on payments), it is inconsistent and confusing to use.
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| Lender | Account | Description | Interest | AER | Overdraft | ||
| Overdraft Rate | Overdraft Limit | ||||||
 | Premier Direct Account | Earn a great rate of 6% AER (fixed for one year) on balances up to £2,500. | Monthly | 6.00% | 0.00% | £2,000.00 |  |
| Premier Current | Enjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500. | Monthly | 0.50% | 0.00% | £2,000.00 | |
 | Natwest Advantage Gold Account | Enjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products. | Monthly | 0.25% | 18.49% | n/a | |
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