Important Cookie Information - this message will appear only once

To give you the best possible experience, this site uses cookies and by continuing to use the site you agree that we can save them on your device. Cookies are small text files which are placed on your computer and which remember your preferences/some details of your visit. Our cookies don’t collect personal information. For more information, please read our updated privacy and cookie policy, which also explains how to disable cookies if you wish to.

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

  • Roadside assistance to repair your vehicle
  • 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
  • Policy limitations and exclusions apply, please ensure that you read the Policy document
  • UK and European motor breakdown cover is provided on behalf of The Co-operative Bank by RAC
  • RAC has more patrols per member than any other breakdown provider
  • RAC patrols fix 4 out of 5 cars at the roadside

RAC UK and European motor breakdown assistance provided by RAC Motoring Services, registered address; RAC House, Brockurst Crescent, Walsall WS5 4AW

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

  • Covers up to 4 handsets in your household to the value of £1,000 each (including VAT) for theft, loss or damage.
  • Covers the cost of repair or replacement in the event of theft, loss, accidental damage, water and liquid damage, malicious damage and electrical or mechanical breakdown
  • Insured against unauthorised calls up to £2,000, inc. VAT, for monthly contract phones, and up to £200, including VAT for pay-as you-go phones per claim
  • Worldwide cover in case you lose the phone abroad. Repair or replacement upon return to the UK
  • A policy excess of only £25 per claim, (£50 for iPhones)
  • Also covers personal digital assistant (PDA) handsets
  • Includes cover for mobile phone accessories up to a value of £350 per claim inc. VAT
  • Policy limitations and exclusions apply, please ensure that you read the Policy document

Provided by Lifestyle Services Group Limited and underwritten by London Insurance Company Ltd registered addresses;
Lifestyle Services Group Limited. Osprey House Ore, Close Lymedale Business Park,NEWCASTLE-UNDER-LYME,Staffordshire ST5 9QD
London General Insurance Company Limited. Integra House Floor, 2 Vicarage Road, EGHAM Surrey TW20 9JZ

£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 Safeguard (which will be fixed for up to 12 months). After all, we’d rather you didn’t miss out on any extras!


Enjoy added personal security

  • Credit report and monitoring service*
  • Identity theft assistance


  • Airport lounge passes - four passes per year to selected airport lounges around the world*

Provided by Lifestyle Services Group and insured by London General Insurance Company

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


Protect your portable devices and gadgets

  • Cover against theft, accidental and malicious damage for your registered items
  • Gadget accessories cover included
  • Mechanical or electrical breakdown cover included

Provided by Lifestyle Services Group and insured by London General Insurance Company.

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.