The easy to use instant access account.

We know saving can be boring, but it's great to have a big umbrella for that rainy day. With smile you get:

• 4.25% gross AER* if you're a smile current account holder
• you can kick off savings with just £1
• you can withdraw your cash whenever you want - to make it easier we even give you a cash card to use in over 61,000 LINK machines.

Even if you don't have a smile current account you still get 3.40% gross AER*.

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*Gross means the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

*AER (Annual Equivalent Rate) is the notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.