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:

• 0.25% 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 0.12% gross AER*.

smile is part of The Co-operative Bank, which is a member of the Financial Services Compensation Scheme (FSCS), which would pay compensation to eligible customers in the unlikely event of the Bank becoming insolvent. Find out more.

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

Net is the rate of interest that would be payable after allowing for the deduction of income tax at the rate specified by law.

*AER means the Annual Equivalent Rate and illustrates the contractual rate of interest as if paid and compounded each year.