At smile, we want our customers to know how we earn our profits so you can judge for yourself whether we give value for money. If you agree that we do, you'll probably join us; if you don't, you probably won't.

There are lots of banking rip-offs around that we want to share with you for commercial reasons as well as ethical ones. We prefer to be honest, open and fair so we can be proud of our business - and that business will be a success because you'll be proud to bank with us.

Just click on the topics on the left you'd like to know more about.