Smile Savings Account

Get a better rate on your savings...

Smile savings accounts are internet only accounts. Smile is an internet bank, and is part of the Co-operative Financial Services. 

We don't have any Smile savings accounts available at the moment but you can use the tables below to compare other savings options  to help you find the right home for your savings.

For a range of leading online accounts, see the table below:

Savings Selection
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Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.10%Instant AccessMore Info >
MARKET LEADING: Earn 1.10% gross/AER Instant Access. No notice periods. Unlimited payments and withdrawals. Pay in from £100. RCI Bank are protected up to a total of €100,000 by the FGDR, the French deposit protection scheme. Manage account online.
0.75%Easy AccessMore Info >
0.75% gross/AER on balances from £1,000 to £1 million. Guaranteed to be at least 0.50% above Base Rate** until 31st December 2017. Unlimited withdrawals without restriction or loss of interest.
0.75%Current Account
Instant Access
More Info >
Innovative new banking service powered by Clydesdale and Yorkshire Banks. Get your current account and instant access savings account working together. Earn 0.75% AER on ALL instant access savings balances, and 0.25% AER on current account balances up to £2,000 (From 2nd May 2017, 0.50% AER variable on £1+ will apply). No monthly account fee

Gross is the interest you will receive before tax is deducted.

AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.


Latest Fixed Rate Bond Deals
ProviderAccountInterest Rate (AER)TermApply

2.10%

per annum

£1,000Apply Now >
Earn 2.10% gross/AER fixed for 4 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest. FSCS Protected

1.90%

per annum

£1,000Apply Now >
Earn 1.90% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. FSCS Protected
If you are already a Smile current account holder you may be able receive more competitive interest rates on Smile savings accounts, but accounts are also open to new customers.

Smile savings accounts may include:
  • Cash ISAs offer tax-free saving 
  • No-notice accounts that allow instant access to savings 
  • Fixed term deposit account offering a guaranteed fixed interest rate
  • Cash card provided allowing access to savings via cash machines, as well as online

Different providers offer different incentives, such as higher interest rates and varying withdrawal and deposit conditions on savings accounts; you can also find regular saver accounts and ones that reward you with higher returns for larger single investments.

Structured deposits offer capital protection similar to savings accounts but with the potential for competitive returns. The returns are not normally guaranteed, but linked to the performance of a particular market, such as the performance of the FTSE 100 Index.

See the table below for some examples of structured deposits currently available:

Growth Structured Deposits
ProviderPlan NameMaximum Potential Return*TermMore Info
Kick Out Deposit Plan

3%

per annum

Up to
6 years
More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 3% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.
* Maximum Growth Yields are not guaranteed and subject to certain conditions