With Smile banking, everything is done online – opening accounts, paying bills, making transfers. Smile is an internet only bank, part of the Co-operative bank, which means no more trips to the high street and 24 hour access to your account. They can also offer higher interest rates because they have fewer overheads than the high street banks. There is a wide range of Smile banking products, including:

  • Current accounts
  • Loans
  • Mortgages
  • Savings
  • ISAs
  • Share dealing
  • Ethical investment
  • Student accounts

Smile has won awards for its current accounts and has also been voted best online banking provider for the past five years, as a part of Co-op, Smile banking is ethical.

ProviderAccount Set Up FeeFee per monthFeaturesApply
N/A£12.50No credit checks.** Prepaid MasterCard. No account opening fee. More Info >
£4.95£9.95No credit checks**. Prepaid MasterCard. Credit Building facility. More Info >
£4.95£9.95No credit checks.** Up to 20 free payments and standing orders a month. Prepaid MasterCard.More Info >

**See Terms and Conditions