believe in better banking

Switch to an award winning current account which gives you:

• convenient online banking with 24 hour support by e-mail or phone
• UK-based customer services team
• 12 month £500 fee-free overdraft (15.9% EAR^** ) in case you’re caught short
• 0.12% AER^* interest paid on your credit balance
• better rates on more of our products
• help to transfer direct debits across – so it’s no hassle to switch!

we stand out in a crowd

Here’s why we’re different to most other banks.

1. We don’t have shareholders, so we’re just here to do what’s best for our customers and members.
2. Our unique customer-led Ethical Policy means our customers’ money won’t be invested in any dodgy stuff. So we invest in producers of renewable energy but avoid those involved in fossil fuels.
3. We’re part of The Co-operative Bank, so our responsible approach to money is rooted in values going back to 1872.

And if you don’t believe us.. look what our customers say

9 out of 10 customers would recommend the smile current account to a friend ^†
8 out of 10 customers are extremely satisfied / very satisfied at smile. ^††

So all in all, it’s better banking you can believe in – apply today!

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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.

*AER (Annual Equivalent Rate) is the notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.
** EAR is the equivalent annual rate taking into account the interest rate and how often interest is paid but excludes any fees or charges.
†Source: 9 out of 10 customers would recommend the smile current account to a friend. Network Research Customer Satisfaction December 09.
††Source: GfK FRS, 6 months ending Dec 09, 84% of smile customers are extremely/very satisfied.
Winner of current accounts – most loved, Winner of current accounts – overdraft, Winner of current accounts – charges and fees - lovemoney.com Personal Finance Awards 2010