smile.co.uk

1.4
1.4 Based on 140 reviews

Hello. We're smile. We launched as the UK’s first full-service internet bank back in 1999, with the purpose of making banking accessible, direct and fuss-free. We may look a little different now, but we remain dedicated to the ideas we were founded on. A...

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Fern Bell
Blocked card and ineffective system

My card was blocked without any communication from them. I reported a transaction issue to the fraud department, who promised a replacement card in "8-10 working days." When it didn't arrive, I sent a secure message only to receive a response claiming they tried to call me (which they didn't). After waiting on hold for ages, I discovered my replacement card was blocked without any notification. This is pure incompetence.

1
Date of experience: Nov 12, 2025

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Business Details

  • Hello. We're smile. We launched as the UK’s first full-service internet bank back in 1999, with the purpose of making banking accessible, direct and fuss-free. We may look a little different now, but we remain dedicated to the ideas we were founded on.

    And, as we are one with The Co‑operative Bank, we share their strong ethical stance. Its Ethical Policy is customer-led and, therefore, so is smile’s.

    Digital-only banking. No queues, no hassle, no jargon, no nonsense.See more

  • language https://smile.co.uk

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