Your application is complete. Thanks!

Any contact details you entered during this application process will not be applied anywhere else. If you already bank with us, and want to change how we contact you in general, then you'll need to log in to online banking and change your account information there.

What happens now?

In the next few minutes, you’ll receive a confirmation of your application to your email address.

This email will also contain your enrolment number, so you can track your application 24 hours a day, 7 days a week. We’ll be in contact with a decision about your application within one working day.

As part of your application you have agreed to receive documents digitally. Documents related to your application will be available in the smile Application Tracker once a decision has been confirmed.

Applied for a joint savings or current account?

If you've applied for a joint savings or joint current account, both applicants need to complete the joint consent form (PDF) before the account can be opened. This does not apply to credit card customers. Please complete the form and send it to the following address:

Freepost NWW233
PO Box 600
Delf House
Skelmersdale WN8 6GF

What if I don't hear anything?

We always aim to get in contact as soon as possible.

But if you’re still unsure - or need more information - please call us:

Current account +44(0)3457 212 212

Credit cards +44(0)345 600 6000

Savings +44(0)3457 212 212

See call charges

What if I don't get approved?

If your application is unsuccessful, you'll have a note placed on your account to say that your application has been submitted and declined.

Any application (whether positive or negative) may show up on your credit file.

How do I track my application?

Once you have your enrolment number, you can track your application any time, by visiting our application tracker.

Find out more about application tracking