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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. 

Find out about us

Bank of England base rate change

On 1 August 2024, the Bank of England base rate decreased from 5.25% to 5.00%. Find out more.

Smile take five

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
Smile online banking

Changes to online payments

We've changed the way we confirm your online payments to keep your money safer.

Find out more

Win up to £2,500

We’re offering cash prizes in collaboration with VISA when you pay with your debit card during our promotion period (until 30 November 2024). Subject to eligibility. T&Cs apply.

Find out more
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Current accounts

Become part of a bank that actually cares about its impact on the world and does something about it. No monthly fee and a £500 overdraft limit, available as a joint or sole account.

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Learn more about Current accounts
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Savings

Whether you’re saving for something big, or just putting a few pennies away each month, we’ve got it covered. Choose from fixed rate accounts, ISAs, limited access and instant access accounts.

Learn more about Savings
smile credit card

Credit cards

If accepted you'll get the rate advertised. And online banking without the faff. That's exactly what you get with a smile credit card.

Learn more about Credit Cards
smile mortgages

Mortgages

Thinking about buying your first home? Looking at moving up the property ladder? Or coming to the end of your deal and looking to move your mortgage? We're now offering customers the opportunity to apply for a Co-operative Bank Mortgage.

Learn more about Mortgages

Your values are our values

As smile is part of The Co‑operative Bank, we share their strong ethical stance. Its Ethical Policy is customer-led and, therefore, so is smile’s. As a customer, you can use your unique voice to contribute to this. To make sure we carry on reflecting what you care about.

Learn more about our values and ethics
Find out more about Financial Services Compensation Scheme | This will open in a new tab

Protecting your money

Your eligible deposits with The Co-operative Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with The Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please read further information on the FSCS scheme here or visit their website