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

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★★☆☆☆
2.3 / 5
174
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Smile Internet Banking www.smile.co.uk
Smile Internet Banking www.smile.co.uk

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Latest Reviews

★☆☆☆☆

“OK until something goes wrong!”

Written on: 10/09/2016 by 34Christian (1 review written)

Their web site seems OK - I have been a customer for many years and things are generally OK until something goes wrong -- premium phone number to call them - I was paying 25p per minute -- waiting on the phone for 30 mins before anyone answers -- incompetent staff who stopped my card for no reason at all -- fraud team who will stop your card but not even bother to let you know. Nobody rings you back or gives up as soon as the line is engaged - they don't seem to care at all .... The only… Read Full Review

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★☆☆☆☆

“Telephone service”

Written on: 05/06/2016

Smile bank works very well UNTIL you need to speak to someone, then it is terrible. The level of service has declined progressively , I have recently had numerous " possible fraud alerts .. but it impossible to get thro to speak to someone even when they initiate the call. I plan to change banks… Read Full Review

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★☆☆☆☆

“Extremely poor customer service”

Written on: 18/02/2016 by DMGR (1 review written)

I applied for a new account which all went well until I got to the finalisation page - their website crashed before I could take a note of the application number. I contacted them to ask for confirmation of this as the number is required for checking the application progress online. They came back and advised I had to call them for security reasons. I did this, it took ages but eventually they gave me the required number. When I tried to use it, it didn't work! I therefore emailed them… Read Full Review

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★★☆☆☆

“Recommended by Aunt and turned down”

Written on: 07/12/2015

I was looking for a new current bank account and my Aunt suggested Smile. I applied and asked to open a savings account and a current account. I was turned down for both! I checked my credit report. I have two credit cards with other providers and both are up to date and have never been missed. I have one hardly used store card and I work full time. I was really angry and sent a letter expressing my feelings. No reply was received. This was back in Sept 15 The same week that Smile… Read Full Review

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★☆☆☆☆

“Declined for a savings account ?”

Written on: 06/11/2015 by McManus1947 (1 review written)

Smile recently took four days after I had applied to them for a savings account only to decline me for the account. Never in my 56 years have I ever been declined by an financial institution for a savings account. No proper explanation from then as to why either very strange bank indeed… Read Full Review

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★☆☆☆☆

“Service levels are getting worse and worse”

Written on: 06/02/2015 by pmethven (1 review written)

Smile Bank used to be a really good, helpful bank with a UK phone number where you could speak to someone easily that offered reasonable interest rates and staff who seemed to really care and want to help etc. Unfortunately in recent months the following has happened: 1. An auto attendant has been added to the main phone number which has no option to speak to someone and a range of options which makes it difficult to get to what you want to do. 2. ISA interest rates are no longer competitive… Read Full Review

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★☆☆☆☆

“Wouldn't unblock my card that had been swallowed by...”

Written on: 16/01/2015

Really awful. I had money in my bank account and had bought Duty Free on my card. Then went to draw out some Euros as going on holiday. The ATM said it was not authorised and that I should contact the card issuer. I told the ATM staff who said I should contact the bank. They said they blocked all cards as it someone had rung them to say that the card had been found. I said it was swallowed by the machine. The bank said they could not unblock. I told him but I am on a Plane and it is about to… Read Full Review

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★★★★★

“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 (11 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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★★★☆☆

“Out of date”

Written on: 01/09/2014 by Bures (11 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 (3 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 (19 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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