These are just words

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

This account has been awarded a Five Star Rating by Moneyfacts for 2019
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
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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
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How you bank online has now changed

When using online banking, you’ll verify yourself with a verification code we’ll send to you by text message or email.

Learn about banking online
Important information about brexit

Information for customers

As the UK prepares to leave the EU, we have prepared some information for customers with questions about what this might mean for the way they bank with us.

Find out more

Our history

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1999

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

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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).