smile gives you 24/7 control over your cash. Whether you're paying bills, transferring money (same day transfer up to 9pm - after 9pm money is transferred the next working day) or sorting out standing orders, you do your banking when and where it suits you, not someone else.

Here's what you can do:

day-to-day banking

• view and print balances
• monitor transactions
• set up payment details
• pay bills
• move money between smile and other account you have
• request PINs, replacement cards and paying in books.

planning your finances

• schedule bills
• view, set-up, cancel and amend standing orders
• view and cancel direct debits
• access rates and charges.

Practice being your own bank manager and check out our nifty demo - see for yourself how easy it is.