Smile Internet Banking Reviews - www.smile.co.uk

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★★☆☆☆
2.4 / 5
32% of users recommend this
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Smile Internet Banking www.smile.co.uk
Smile Internet Banking www.smile.co.uk

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Latest Reviews

★★★★★

“Excellent”

Written on: 03/09/2014 by Buchanan9 (1 review written)

I have been with Smile for over 10 years and have never had a problem with them , queries have been addressed straight away in a very efficient and friendly manner .Great bank.Easy to post a cheque for paying in . On line statement whenever you want it, and can send secure messages , to which I have always got an answer straight away… Read Full Review

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★★★☆☆

“Out of date”

Written on: 01/09/2014 by Bures (10 reviews written)

I have been with Smile now for circa 15 years and they dont seem to update their literature I mean the web site is truly boring and not very appealing The Paying in books have an awful smiling cat on the front cover, really horrendous. I have complained about these books on many occasions, but it falls on deaf ears. I dont think the Post Office paying-in envelopes have changed in 15 years ? The banking app is also not the easiest to use. On the plus side, in all the time I have been with them… Read Full Review

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★☆☆☆☆

“RIPPED OFF DON'T USE THEM”

Written on: 24/05/2014 by donnamgraham63 (1 review written)

They took £54 out of my account fee when I emailed them 3 times saying I don't want ot need ther service as I only wanted a quick payday loan 150 for my car, I have 'tried' phoning them but ALWAYS 14th in the que never spoke to someone and then they closed at weekends! I and others out there need to stop them as they are 'stealing' money from people who are in a tight spot and don't realise what these people are doing, contact your bank and make sure you stop the CPA (continues payments)… Read Full Review

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★★☆☆☆

“Painful Service”

Written on: 20/05/2014 by Trikkitt (2 reviews written)

I've been with Smile for close to 10 years. In that time the website hasn't changed, so it is now miles behind everyone else. Worse is that recently I needed to review some old transactions spread across 2009 to 2013 - at that point I realised although it lists the statements you can't view them! Turns out you can only view the past 12 months of transactions, anything older and they want £10 per statement to send you a printed copy. With no statement download option on the website this… Read Full Review

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★★★★★

“Brilliant”

Written on: 03/03/2014 by suffolk (13 reviews written)

I have been a customer of the Co-op Bank and then Smile for decades. Must be over 20 years. In all that time the service has been exemplary. Not once have I had to chase a problem with transaction errors Cant believe all the negative comments on this page. I even received a letter last week thanking me for my loyalty over the years I can highly recommend the bank… Read Full Review

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★☆☆☆☆

“Tired of putting up with smile”

Written on: 10/02/2014

Good long ago, but just fed up of their awful website and their rarely functioning card reader. Have put off changing banks for too long (in the belief that another bank might be even worse.) I no longer believe this is possible. Smile also managed to turn a standing order to me into a direct debt from me - and wafted vaguely about the direct debit guarantee when I complained. Staff have always been polite and helpful on the phone - once one has navigated the phone tree… Read Full Review

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★☆☆☆☆

“How the mighty have fallen”

Written on: 09/01/2014 by grumblemum (4 reviews written)

I've been a Smile customer for over 10 years and it is with much angst that I have decided to leave them. I blame the management completely. They have destroyed a fine institution and created a grubby, dirty behemoth that is now the antithesis of the values on which the Cooperative was founded. -First negative is the interest - there is none -Second they charge a ridiculous amount of money to speak to them 0844 number -Thirdly they charge £20 a day for overdrafts even if you have money in… Read Full Review

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★☆☆☆☆

“smilemore? leave first”

Written on: 01/01/2014

Smile, secure, internet bank had our funds to extend our home - all fine - 10 years ago. Once they called to warn me of an overdraft and possible charges. Benefits? Cant think of any. At least Barclays do what they say on the tin. I used to rate smiles service highly. Not now… Read Full Review

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★★★☆☆

“could do better”

Written on: 10/12/2013

As a Smile customer of a few years, in the early days, I thought they were brilliant. Interest paid on Current Account, better savings rates, and a very competitive Credit Card. All on-line, what was there not to like? Now, I feel they are no different from any other on-line Bank. In fact, if you compare their accounts to their sister Bank, there is little or no difference. It begs the question, why bother? For those of us who complain that the options on the 0845 call centre no are difficult… Read Full Review

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Trikkitt's Comment

Written on: 20/05/2014

You can call their normal number to avoid the 0845 call rates...

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★☆☆☆☆

“Terrible bank”

Written on: 25/11/2013

Joined as a student, with interest-free overdraft. However when I tried to close that account, kept being charged interest which led to negative balance so I could not close it. Staff were not helpful in explaining reason for interest… Read Full Review

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★★★★★

“Brilliant”

Written on: 10/11/2013

This will be a short review, I have banked with them for nearly 14 Years. Billiant can not fault… Read Full Review

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★★☆☆☆

“Unreliable = disaster when you have no branches...”

Written on: 23/10/2013

Smile customer for a couple of years. Recently, I lost my card, and requested a cancel/replacement. They say they forgot to dispatch the card until I called a week later. Then they forgot to post me the new PIN, so I can't use it. As they have no branches, I am stuffed - with HSBC, I could have gone in branch and made a withdrawal with my passport, but Smile has no branches. In addition (same month), they blocked my rent payment for 'security'. I called up to confirm it, and they stated… Read Full Review

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★★☆☆☆

“Disappointing”

Written on: 05/10/2013

I haven had an account with smile for 10 years. I found them fine, no difficulties. I wasn't a demanding customer however. I am in the process of closing my account now. Last year they changed my overdraft. This is perfectly ok and within the contract. What is not ok is that I only found out by having my card declined. I complained and was told a letter had been sent on x date. It had not been. What I had received was a letter dated a few days later confirming my overdraft would continue at the… Read Full Review

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★☆☆☆☆

“anything but co-operative in service and ability. VILE !!!”

Written on: 04/09/2013 by neverever113123132 (1 review written)

customer for 10 years. family were customers for over 100 years. ended today. had enough. incompetant...nannying....bullying at times... vile management..... read the press...this big banking group is very badly troubled...will probably go the way of the others that have imploded through very bad management. a very great pity as in their great history they made a considerable contribution to easy poverty of the working classes. How very far they have fallen from their founding fathers noble… Read Full Review

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★★☆☆☆

“Can no longer recommend SMILE”

Written on: 04/09/2013

I have been a member of Smile Bank for over 13 years. I used to think they were great and was always recommending them to others. NOT ANY MORE In the last year or so their service which used to be really good has become really poor. I believe that there has been a merger of the service with COOP and the service is now slow, poor, arrogant and at times rude. Their online screens do not seem to have changed in years, it is just old fashioned. Many people have commented about not being able to see… Read Full Review

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★☆☆☆☆

“Smile Internet Banking review”

Written on: 24/07/2013 by jaowni (1 review written)

I until Monday had never even heard of this company!! and im unsure as to were they got my bank details from but i discovered they had debited my account for 26.34 and as a mother with two kids on benefits i could ill afford this! i tried to no avail to contact the company and have not had a response ! im fuming to say the least and this company have now been reported to both the police and the trading standards!!!!! They need to be stopped they are fleecing and basically ripping off… Read Full Review

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★☆☆☆☆

“Woeful”

Written on: 23/07/2013

Do not go near this bank. The Internet banking is horrifically dated, it's impossible to get the real balance of your account at any given time, they are very slow to reply to Emails (If they bother at all) and their charges are through-the-roof. Bank with anyone other than the Co-Op. The last few months with them have been a nightmare and I've run the account well. Heaven help anyone who has financial issues with this bunch. Avoid, avoid, avoid… Read Full Review

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★★☆☆☆

“Ok, but slow”

Written on: 03/07/2013

For an 'internet bank' they are hilariously slow to respond to their so-called 'secure messages' which you can send when you're logged into your account. There are also a variety of things they aren't able to do through that, because apparently it isn't secure enough O.o I didn't really know how to respond to that. 2 days is really not an appropriate wait time when the whole idea of an 'internet bank' is that you should be able to do everything electronically. Overall, I would not recommend… Read Full Review

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★☆☆☆☆

“Smile finance fraudster ”

Written on: 30/06/2013

They took money from my account without me knowing, I am a single parent & am left broke now, very very upset .... DON'T USE THEM, SMILE FINANCE… Read Full Review

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★★☆☆☆

“I want to like them but unfortunately the service is poor”

Written on: 19/05/2013

I switched to Smile on account of their ethical policy and will happily earn less interest on my savings and pay more on my loan for that. What I am not willing to accept is the abysmal quality of their website and iPhone app - for an online bank, it is laughable. It is unchanged since I started banking with them some 8 years ago and resembles a website from the early 90s, offers very few features and makes banking far more of a chore than it should be. It is lacking simple things: if I set… Read Full Review

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