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| Ease of use | 6.8/10   |
|---|---|
| Customer Service | 4/10 |
| Overall rating | 4.3/10 |
Full review by
Guest.
on 3rd May 2008
User Rating : 10
Respect :
0
Good Points: High interest rate on a current account. Excellent service - and I have used them since the Coop Bank first openned this service (and Coop telephone banking 8 years before that). Very easy to use online banking service, the easiest I have found, and I have used also used Abbey National, Yorkshhire Building Society, Alliance and Leicester, Bradford & Bingley. Eco-friendly policy, Ethical Policy.
Bad Points: I honestly have not found any - they have always been excellent.
General comments: I just think they other excellent service and would recommend their current account to anyone.
They usually come top, or very near top of independant surveys, so I have no idea why the feedback here is so unrepresentative (thats why I have wasted my precious time writing this!).
Guest.'s review and ratings | 122 words | 1 comment added.
Review by
neiluk1976
on 16th Jan 2008
User Rating : 1
Respect :
0
I changed jobs and missed some direct debits, however they charged me a fortune for doing so and it would have more than covered the cost to send an automatically generated email.
Then I got an email. The tone is shocking and the last paragraph sums up their attitude towards their customers.
neiluk1976's full review | 61 words
Review by
aliasrob
on 30th Oct 2007
User Rating : 3
Respect :
0
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 Smi ...
aliasrob's full review | 151 words
Review by
tysongem
on 15th Aug 2007
User Rating : 2
Respect :
0
I have been trying to organise a foreign payment for 3 weeks with Smile and haven't even had a response to 3 messages or a complaint that I have sent. Telephone line leaves you waiting on hold for ages and operators just fob you off.
tysongem's full review | 53 words
Review by
sc5843
on 17th Feb 2007
User Rating : 0
Respect :
0
Due to the time taken to transfer money through electronic transfers, you know, where your money left another bank three days ago and still isn't recognised by the bank that you sent it to, I went overdrawn for a matter of hours by about three pounds. Yes, the account was in the red by 3 pounds at one point of the day, and then later that day it was in the black again by hundreds of pounds. The Smile current account statement showed this. However, they still charged me big in unofficial overdraf ...
sc5843's full review | 208 words
Review by
kolin2003
on 20th Aug 2005
User Rating : 9
Respect :
+1
I am pretty fussy about financial products. I have different suppliers for my mortgage, my credit card, my ISA and my current account, because I spend a lot of time hunting for the best deals. On for my current account I use Smile, and I have never regretted it. I signed up mainly for the interest, which is massively higher than almost all of its competitors (and unlike the competition, they pay the interest on the whole balance). But the reason I haven't moved to another internet bank (as s ...
kolin2003's full review | 278 words
Review by
prothalus
on 20th Oct 2004
User Rating : 9
Respect :
+1
I transferred to a Smile current account from Lloyds over 4 years ago after getting fed up of being ripped off by the high street bank.
It was a very easy transfer (thanks to Smile, and no thanks to Lloyds), and since then I have been continually impressed by the high standards of both the internet and phone side of the bank. Nothing is too much trouble for them. They really are a top bank.
prothalus's full review | 91 words
Review by
zaparcade
on 27th Apr 2004
User Rating : 0
Respect :
+1
I had been banking with smile for 3 years - mostly because I found their internet banking facility convenient to use. Whilst banking with them they continually increased my credit card limit without my consent until I had a borrowing limit in excess of £12000! They also sent me numerous unsolicited offers in the post for loans which I had apparently already been authorised for - all I had to do was sign on the dotted line and the money was mine. However, a few months later when I applied f ...
zaparcade's full review | 273 words | 1 comment added.
Review by
cdownton
on 20th Feb 2004
User Rating : 9
Respect :
+2
First of all, the bad bits about the Smile Current Account - it's difficult to get an account, mainly because of the new laws on fraud and money laundering. You have to send in quite a few proofs of ID and address, but similar to most UK banks now.
The good bits are very good, you can relax with competitive rates of interest - both current account, savings and ISA (and numerous other products) and they're all accessible from one page with a (sometimes depressing) 'what you're worth' number.
...
cdownton's full review | 177 words
Review by
Bob.
on 26th May 2003
User Rating : 0
Respect :
+2
Let's set one thing straight first of all - I am not a complainer by nature.
Ok - let's start. Initially every thing was fine, the account ticked over smoothly with no trouble at all.
Then, by an oversight on my part, I slipped over drawn by an amazing, a whopping - 41p !!!!!
To rectify the matter I payed in funds to cover this immediately and E mailed Smile to advise them of my oversight and apologise. Now here comes the funny part - I was told that it was basically 'TOUGH - WE ARE GOI ...
Bob.'s full review | 270 words | 5 comments added.
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