Smile Internet Banking www.smile.co.uk Reviews

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Smile Internet Banking www.smile.co.uk
3.1 stars
Average rating for this product is: 3.1 out of 5

From 5 ratings and 60 reviews

Thumb up 53% of users recommend this product

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy benefits such as, free annual European travel insurance plus receive a share of £50 when you recommend a friend.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy 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.Monthly0.25%18.49%n/a

Average Ratings for Smile Internet Banking www.smile.co.uk

  • Ease of Use3.3 stars
  • Value for Money3.3 stars
  • Reviewer Ratings3.2 stars
  • Overall Rating3.1 stars

60 Reviews For Smile Internet Banking www.smile.co.uk

  • Guest 29th Oct 2009

    Reviewer rating: 5 stars


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    Smile bank is outstanding for customer service, terms and conditions and value for money. It is even better to know it is a co-operative with ethical policies.

    The overdraft facilities are great and flexible, I can do everything online and the response from customer service is always speedy and helpful.

    I think it is brilliant.

  • robertito Rank: Sergeant 9th Oct 2009

    Reviewer rating: 5 stars


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    No problems at all, but the interest rates are a bit low !

  • Guest 2nd Oct 2009

    Reviewer rating: 3 stars


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    I've used smile for between 5 and 10 years now. Until fairly recently their service has generally been excellent. I have several current accounts, savings, and a credit card acc. Things have started to slip though - they've gradually increased the price of their premium current account, and customer service is nowhere near as good as it used to be. One thing I found hugely frustrating is there is no facility to download statements, or to import them into financial packages. You can only print ha ...

  • Guest 11th Sep 2009

    Reviewer rating: 4 stars


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    Have always experienced great customer service with Smile - and I've been with them for 10 years. My only complaint is that the functionality on their website should have really come on in this time but it's developed very little... for instance, just being able to search for past transactions without trawling through endless statements would be a huge improvement.

  • Guest 9th Sep 2009

    Reviewer rating: 1 stars


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    Smile make it so difficult to find their address on the website and they don't show a running total of my balance which I would think is a primary basic requirement of customers. I've contacted them several times about this and despite their claims of how they respond to customers wishes and opinions, they've done nothing. Who would not want a running total shown clearly? I have to get a calculator and work out how they arrive at the current balance. I really cannot believe they continue to do ...

  • Guest 1st Sep 2009

    Reviewer rating: 2 stars


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    I used to love Smile Internet Banking until they got totally paranoid recently and started requiring that you carry a special gadget with you for setting up transactions, and they call you for 'suspected fraud' for next to no reason - like 8 small transactions in a day buying records at Amazon, when there's ample record of similar transactions in the past. Before this, they were the easiest, safest, most convenient service around. Now they're just a pain. Looking for something better.

  • Guest 27th Aug 2009

    Reviewer rating: 4 stars


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    Very good response from smile internet banking whenever I have a query - either by phone or secure message.

    Not very good for checking history of transactions - e.g. for Standing orders or direct debits there is no way to know when they started - you have to trawl through old statements.

    Quite like the security measures.

  • Guest 7th Aug 2009

    Reviewer rating: 5 stars


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    I have had a smile internet account for many years. The website is easy to use and whenever I have needed to discuss any aspect of my account I have found the people friendly, well-informed and helpful. I would thoroughly recommend this internet bank.

  • zephyrx Rank: Corporal 31st Jul 2009

    Reviewer rating: 1 stars


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    Yest more trouble with them of late. Last year, they forgot to order me a replacement debit card when my old one expired, so i was stranded without one. This year, I called them up 3 weeks in advance to make sure that my new replacement debit card would arrive with me by 30th June when I would be on holiday in New York - last thing I wanted was to be stranded with no debit card.

    Needless to say, my replacement debit card did not arrive on time, despite Smile being asked 3 weeks before to pro ...

  • Guest 25th Jul 2009

    Reviewer rating: 2 stars


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    trying to arrange a loan, it's been approved, but no one knows if they've recieved the signed papers sent 5 days ago, or how long it might actually take for the loan to appear; someone randomly phoned me to make sure everything was alright with the loan, which they could apparently see on their screen. I couldn't see it, so the loan wasn't alright, but they couldn't help me with that, couldn't transfer me either, gave me a phone number that didn't work, I tried another number, that person couldn ...

  • Guest 22nd Jul 2009

    Reviewer rating: 1 stars


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    Service has gone downhill in past year or so. Rude and unhelpful support staff. Pity - used to be very good and I liked their ethical stand but let down by their own (probably) poorly trained staff. Leaving Smile internet bank after 5 years. Shame.

  • amclaurin Rank: Lance Corporal 11th Jun 2009

    Reviewer rating: 4.5 stars


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    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 th ...

  • Guest 17th Mar 2009

    Reviewer rating: 1 stars


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    Had a dreadful experience with Smile Internet Banking, when my card was fraudulently used - made to feel I was the criminal! Charged me 25 pounds for being 12 over my overdraft for one day. Pathetic rates on savings and ISAs. Takes days now for them to respond to queries. It seems they have cut back on frontline staff.

  • Guest 14th Jan 2009

    Reviewer rating: 5 stars


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    As i have said , always helpful and polite, Problems always solved or explained by trained staff. I cannot fault the Smile Internet Banking service and recommend.

  • Guest 3rd Jan 2009

    Reviewer rating: 1.5 stars


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    This feels like an intenet banking experience from five years ago. Smile seem to have made litle investment in their software and you still can't download statements.

  • jannwood 18th Sep 2008

    Reviewer rating: 4 stars


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    Clear and easy to use website. Very few errors, and when they are pointed out, they are corrected immediately. They have both a good email and telephone service for any query or service required. They moniter my accounts for any unusual activity and either email of detail of the activity and /or block the activity.
    I have used Smile Banking for several years now and would prefer to use Smile for 100% of my banking, except that I like to keep the option of having a high street bank for emrgency u ...

  • Guest 17th Sep 2008

    Reviewer rating: 5 stars


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    Banked with Smile for some years and been very impressed by their service - especially when I have erroneously gone overdrawn and staff have made an effort to phone me too get authorisation to transfer money between accounts to cover the error.

  • Guest 10th Sep 2008

    Reviewer rating: 4.5 stars


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    I have been with Smile for about four years now and I cannot fault them. They are prompt with replies to messages, they are helpful, friendly and they listen. UK based call-centre. Very helpful and friendly staff, website easy to use. Were very kind and helpful when I was out of work a few years ago and put no pressure on me. They listen.

  • patbell101 Rank: Lance Corporal 18th Aug 2008

    Reviewer rating: 4.5 stars


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    No longer a top performer especially in terms of interest rates, but reading reviews of other banks suc as A&L - suggest that I am MUCH better off where I am.

  • Guest 18th Aug 2008

    Reviewer rating: 5 stars


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    I have banked with Smile for 15 years, having transferred from the Co-op. Although ethical reasons were my main reason for making this choice, I have also found them consistently helpful, easy to use and very good terms & conditions. Call centre operators are often surprisingly friendly and helpful, more than the absolute necessity, and go 'the extra mile'.I am a critical user who researches my choices and have some understanding of finance, and I am generally sceptical about big brand names, s ...