These are just words

We'd rather let our products do the talking. Sign up for our award-winning smile Current Account, and get exclusive rates for our credit cards and savings accounts too.

money facts
See for yourself
current account

Hello. We're smile.

We’re a digital-only bank. No queues, no hassle, no jargon, no nonsense. We were invented by The Co‑operative Bank in 1999 and we’ve been smiling ever since.

Brought to you by

Coop Bank
Fraud Logo

Do you have a moment to protect your money?

A request for personal information could put your money at risk. Take five to think and protect yourself against fraud.

Find out more
Switching Logo

Switching accounts. It's going to be okay.

Yes, switching your current account can be a bit worrying. But listen, we'll transfer all of your Direct Debits across and even redirect payments into and out of your old account.

Phew. Tell me more
Cheque Processing Logo

Faster cheque processing is coming

From August 2018, cheque imaging will start to reduce the cheque clearing process from six Business Days to two.

Learn more about cheque imaging

Our history

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1999

We won YourMoney’s Best ISA provider and Banking provider.

Balloon Icon 2002

2002

Our team launched smile Sharedealing.

A brief history of smile

Read more about how we were the first UK internet bank. There's also stuff here about knitting jumpers for fairy sheep. Hmmm.

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2004

We sponsored the Cape 2 Cape challenge, flying from Canada to Chile in a single-engine plane.

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2005

We also sponsored the North West Comedy Awards.

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2016

We launched a brand new website.

Help for existing customers

Helpful info about current accounts, credit cards and all things smile related.

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Co-operative Bank

We’re part of The Co‑operative Bank, and we share the same ethical values too.

smile, Britannia and The Co‑operative Bank are trading names of The Co‑operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).