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smilemore current account

smilemore current account

This account is no longer available to new customers or existing customers who wish to upgrade.

If you already have a smilemore account, you will still have access to the benefits listed below. You will also be able to change your additional benefit bundle once every year at no extra cost. Your subscription fee of £15.50 will continue to debit your account on the first working day of each month. If you cancel your smilemore subscription or close your account, you will no longer have access to these benefits and all insurance policies will be cancelled.

You can continue to manage your mobile phone insurance and additional benefits package via

RAC UK and European motor breakdown assistance

When you’re on the road, it’s great to have the peace of mind and reassurance that comes from comprehensive motor breakdown cover. Your UK and European breakdown cover includes:

  • Personal-based breakdown cover for the named account holder(s) NOT the vehicle.
  • Roadside assistance to repair your vehicle.
  • Recovery for up to eight people and your vehicle to any destination within the UK.
  • Breakdown assistance at your home.
  • Replacement car for up to one day whilst your vehicle is being fixed or overnight accommodation or alternative form of transport.

RAC has been a breakdown organisation since 1897 and have more patrols per member than any other breakdown provider. RAC patrols also fix four out of five cars at the roadside.

UK and European motor breakdown cover is provided on behalf of The Co-operative Bank by RAC.

Worldwide family travel insurance

Your worldwide travel insurance is active immediately and you can use it for as long as you have a smilemore current account

Unlike some policies, our insurance cover also includes personal belongings, scuba diving, golf and winter sports*

Worldwide family travel insurance is underwritten by Inter Partner Assistance (IPA) and serviced by AXA Travel Insurance. Both companies are part of the AXA Group.

*Cover under your policy will cease when you reach 80 years of age or when your smilemore current account is closed or the policy is cancelled, whichever is the earlier. Cover for holidays involving winter sports activities is not operative if you are 65 years of age or older. Policy limitations and exclusions apply, please ensure that you read the Policy document.

Mobile phone insurance

This policy covers up to four mobile phone(s) and SIM card(s) for each Co-operative Bank Privilege or Privilege Premier current account (which must be owned by the account holder (you) or their family members. A family member is a relative living at the same address.)

Replacing or repairing your mobile phone, up to a maximum value of £1,000 (including VAT) per claim, in the event of:

  • Loss
  • Theft
  • Damage
  • Breakdown (including faults occurring anywhere in the world)

Unauthorised network charges from the point that your mobile phone was lost or stolen for up to 24 hours after discovery of the loss or theft, up to a maximum value of £2,000 (including VAT) per claim for monthly contract phones and £100 (including VAT) for Pay As You Go phones.

Mobile phone accessories that are lost, stolen or damaged at the same time as your mobile phone, up to a maximum value of £350 (including VAT) per claim.

You need to pay a contribution every time you make a successful claim of:

  • Apple handsets - £75
  • Non-Apple handsets - £50

This policy has been arranged as part of your bank account and is administered by Lifestyle Services Group Limited (Financial Services Register No. 315245) with a single insurer, Assurant General Insurance Limited (Financial Services Register No. 202735). Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority. All firms’ register details can be checked on the Financial Services Register by visiting the FCA’s website or by phoning 0800 111 6768.

£500 overdraft (first £260 is interest free)

Debit interest of 15.9% EAR per annum is charged on the total overdrawn balance over £260. A £20 set up fee applies to all overdrafts over £500, when you agree new limits and upon each renewal of the overdraft. Subject to status.

Representative example: The advance of credit of £500 for a 12 month term at an interest rate of 15.9% EAR variable charged on the amount borrowed over the interest free £260 overdraft facility. Total amount payable £538.16. Interest is payable each month and the remaining balance would be repayable in one instalment at the end of the term.

Legal advice helpline with The Co-operative Legal Services

The Co-operative Legal Services can offer you personal legal advice on any of the following areas: Consumer Rights, Family Law, Will Writing, Probate, Employment Law, Property, Personal Injury, Criminal Law, Debt, Tenancy Agreements and Civil Litigation. If you need our help you can call our dedicated helpline on 0845 603 7035, 24 hours a day, 7 days a week.

To help The Co-operative Legal Services check and improve their services standards, all calls are recorded.

Check you’re not insuring twice

Please ensure that you do not already have Travel Insurance, Mobile phone cover and/or Motor Breakdown cover in place with The Co-operative Insurance or any other provider, even if it is part of another Bank Account. If you do, you need to check whether this product is suitable for your needs as you may be paying for insurance twice whilst only being able to claim on one policy

make the most of all your benefits…

  • smilemore comes with 3 additional benefits packages. All you have to do is choose the one you want
  • When you have opened your account you can select which one of the additional benefit packages (at no extra cost) you fancy by visiting
  • Your smilemore account also comes with lots of extra benefits – including mobile phone insurance cover for up to 4 handsets for you and your household family, including iphones and other smartphones. Don’t forget to set up your mobile phone insurance
  • To set up your additional benefits simply visit and follow the on screen instructions. If you like, you can change your additional benefit package once a year so you can adapt your account as your life changes

If this is the first time you have visited this web page you’ll need to answer a few simple questions to receive your username and password

You have 60 days from the date you opened your account in which to register your choice by visiting or by calling 0845 602 5647^. If we don’t hear from you by then we’ll automatically allocate you Credit Report Monitoring (which will be fixed for up to 12 months). After all, we’d rather you didn’t miss out on any extras!

Credit Report Monitoring

As well as having easy online access to your credit report, you can set up a monthly monitoring service which will alert you by text or email of any significant changes to your credit file. (Subject to terms and conditions)

Registration to activate this policy or service is required. You can do this online at Please note: registration for Credit Report Monitoring service is online registration only.

Airport Lounge Passes

Four airport lounge passes per year, per account, for the account holder(s) only to enjoy. If you wish to take guests with you, additional passes can be purchased at £15 per person, per visit. (Subject to terms and conditions)

Registration to activate the policy is required. You can do this online at or by calling 0845 602 5783.


Worldwide cover up to £1,200 for digital cameras, handheld DVD players, digital camcorders, MP3 players, portable Sat Nav devices, games consoles and laptops, etc.

Repair and replacement will be arranged upon return to the UK. Maximum individual item limit of £1,200.

Cover for theft, damage and breakdown (including faults) occurring anywhere in the world.

If any accessories for your gadget are stolen or damaged at the same time as your gadget, you are covered for these up to a value of £50 (including VAT). That’s a case, headphones and similar.

Subject to terms and conditions. Registration to activate the policy is required. You can do this online at or by calling 0845 602 5783.

The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP.  Registered in England and Wales No. 990937. smile is a trading name of The  Co-operative Bank  which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885) and holds an Interim Permission in respect of consumer credit activities and subscribes to the Lending Code and the Financial Ombudsman Service.