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:

ProviderAccountInterest Rate (AER)TermApply
1.30%Instant AccessMore Info >
MARKET LEADING. Earn 1.30% 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.


Instant AccessMore Info >
Earn 1.22% AER variable interest. Interest can be paid monthly or annually. Open an account singly or jointly. Minimum deposit £1. Unlimited deposits and withdrawals permitted. FSCS Protected
1.15%Easy AccessMore Info >
1.15% gross/AER. Instant Access. Free withdrawals and no notice period. Deposit from £100. Includes a fixed bonus of 0.95% gross fixed for the first 12 months. Quick and easy online application
1.00%Easy AccessMore Info >
1.00% gross/AER on balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest.
Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years


per annum

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 5% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

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: