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. 

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. 

Smile online banking

Changes to online payments

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

Win a little, help a lot

We're giving you a chance to win up to £2,500 when you use your Co-operative Bank debit card to pay during our promotional period.

smile current accounts image

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.


smile savings image


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.

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.

smile 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.

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.

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