Smile Internet Banking www.smile.co.uk Review

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Smile Internet Banking www.smile.co.uk
3 stars
Average rating for this product is: 3 out of 5

From 5 ratings and 62 reviews

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amclaurin's Review of Smile Internet Banking www.smile.co.uk

11th Jun 2009

Overall Rating

4.5 stars
  • Value for money
    4.5 stars
  • Ease of Use
    4 stars
  • Used service for
    1 year and over
Good Points

Excellent staff, online service works well for me, pays a dividend!


Bad Points

The interface on Smile Internet Banking isn't flashy but again seems easy to use. There is no way to download statements which is poor as they only keep 50 for you, I save the web pages and print out but they should really have a download option in 2009. The cretit interest rate is low (but you do get a dividend).


General Comments

I have been with Smile Internet Banking for 3 years and can't fault them. I have never had a problem with Direct Debits (including paypal) or standing orders. Setting up bill payments is very easy, they have pre supplied details for most utilities, credit card companies etc. which have always worked for me. One thing I am surprised more people haven't mentioned is that they give you a dividend twice a year for banking with them, I got over 60 pounds in 2008 and now I have moved my mortgage to the co-op I am expecting over 200 this year (register at co op membership online to get this paid to you). Having said that, I have never been overdrawn by more than £100 so haven't ever paid fees, I suspect they are as bad as the rest of them if you do go over your limit.

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