Smile Current Account Reviews

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2 stars
Average rating for this product is: 2 out of 5

From 0 ratings and 11 reviews

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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 Current Account

  • Ease of use3.4 stars
  • Customer Service2.1 stars
  • Overall rating2 stars

11 Reviews For Smile Current Account

  • terri69 28th Jan 2009

    Reviewer rating: 0 stars


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    I have been signed off sick for over a year and by selling stuff and borrowing money etc. have been able to hold everything together and pay my visa account every month. My current account has always been kept within the terms and conditions. Sent them a letter in December to say that I could no longer afford the payments on my visa account. Sent second letter with offer of reduced payment with supporting evidence. So far they have blocked my benefit by not issuing my replacement debit card and have now blocked access to my current account and I can't log in. I have made reduced offers of payment and also said this will be increased but due to my illness I would prefer to contact them through email or post. I have also made payments of the reduced offers. Very ethical ...

  • Guest 3rd May 2008

    Reviewer rating: 5 stars


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    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!).

  • neiluk1976 Rank: Lance Corporal 16th Jan 2008

    Reviewer rating: 0.5 stars


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    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.

  • aliasrob 30th Oct 2007

    Reviewer rating: 1.5 stars


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    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 ...

  • tysongem 15th Aug 2007

    Reviewer rating: 1 stars


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    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.

  • sc5843 17th Feb 2007

    Reviewer rating: 0 stars


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    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 ...

  • kolin2003 Rank: Staff Sergeant 20th Aug 2005

    Reviewer rating: 4.5 stars


    On average, people found this review very helpful
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    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 ...

  • prothalus Rank: Corporal 20th Oct 2004

    Reviewer rating: 4.5 stars


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    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.

  • zaparcade Rank: Lance Corporal 27th Apr 2004

    Reviewer rating: 0 stars


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    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 ...

  • cdownton 20th Feb 2004

    Reviewer rating: 4.5 stars


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    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.
    ...

  • Bob. Rank: Lance Corporal 26th May 2003

    Reviewer rating: 0 stars


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    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 ...