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Banking login

Managing your current account

it's your cash, so we've made it dead easy for you to get at it.


you can transfer your cash electronically between accounts, set up standing orders and pay all your bills online. We also give you a nifty contactless Visa debit card to use in over 22 million outlets worldwide.


Withdraw up to £250 per day from any one of 67,000 UK LINK cash machines. You just need to have enough money in your account (some cash machines, usually those in stores or remote locations will charge a fee, but you will be warned of this in advance).

You can also get out up to £250 from any UK post office using your debit card. If you need more than £250 you can go to any branch of The Co-operative Bank.


A cheque book is available with this account. If you issue a cheque, the money will be taken from your account three Business Days after the person being paid pays it into their bank account, unless:

  • it is paid into a bank or building society that uses the new digital cheque image clearing cycle. In which case the money will be taken from your account one Business Day after the person being paid pays it into their bank account.
  • it is paid into a building society, a bank outside the United Kingdom or a Post Office®, where it may take longer.

there are loads of ways to pay into a smile current account.


you can transfer cash electronically from another bank account.


you can pay in cash via any UK Post Office or any branch of The Co-operative Bank free of charge using your ATM card. You can also pay money into some other bank's branches, although they may charge you for this


You can pay in cheques at any UK Post Office when you request the special envelopes we provide or at any branch of The Co-operative Bank. You can also post it to us in an envelope along with a paying in slip to:

NN4 7BR.

Remember to jot your sort code and account number on the back of each cheque. You can also pay cheques into some other UK bank's branches - although they may charge you for this.

how long does it take to clear?

Cash paid in at a branch of The Co-operative Bank is available immediately if you use your card or by the end of the day if you use a slip for cheques, including those paid in at a branch of The Co-operative Bank.

You should allow up to 5 working days (T+4) for the money to be available for withdrawal for cheques posted, you should allow up to 5 working days (T+4) from the day the cheque is paid into your account (T) for the money to be available for withdrawal.

Please note that cheques can be returned unpaid up to close of business on the 7th working day (known as T+6). You will be able to withdraw the funds before this, although we advise that you allow the full 7 working days, as the cheque could be returned unpaid.

The Co-operative Bank (smile) will debit your account for cheques which are later returned unpaid.

Find out more about the cheque clearing cycle.

The central clearing cycle in England and Wales takes 3 working days. All timescales are subject to the transactions being made within the working day cut off time. For Internet and phone requests it is 9pm, for The Co-operative Bank deposits using a paying in slip it is 4.30pm and for UK Post Offices it is 2.30pm - 3pm depending on the outlet.

switching logo

using direct debits

Setting up direct debits couldn't be easier. When companies send you a direct debit form, complete it and send it back to them and it'll all get organised

With other companies, you can set up a direct debit over the phone simply by giving them your smile account number and sort code. They then send details of your instruction to us electronically

Cancelling direct debits is easier still - you can do it yourself by clicking on the Direct Debit icon when you're doing your banking

Because direct debits are agreements between you and the companies concerned, we can't set them up for you (nor can any other bank); our job is to act on your instructions

In all cases you'll be covered by the Direct Debit Guarantee

If you are asked to quote a bank/branch address when setting up a Direct Debit please use:

smile PO Box 600
Delf House
WN8 6GF.

using standing orders

You can set up a standing order online from your smile account in minutes.

You can also pay in by standing order by filling out a form that lets us make the arrangements for you. Click here for the form

You should allow up to 5 working days for the money to be available.

paying bills online

Your smile account saves the time and hassle of paying bills by giving you the option of paying online.

  • you get a record of every payment you make
  • there are no limits to the number of bills you can pay in this way
  • you can set the payment to leave your account on a future date - so you don't even have to remember when to do it
  • it's easy to change or cancel payments whenever you wish
  • standing orders can be set up, amended or cancelled online in minutes
  • you can view and cancel direct debits online

With smile, it's easy to transfer money

  • online to any other smile account - instantly, if made before 9pm. If the transfer's made during a weekend the money will be there straight away, but it'll appear on your statement with Monday's date
  • online to any other UK bank account by the end of the next business day, if made before 9pm. We will send payments using the faster payments service 24 hours, 7 days a week meaning most cases the funds will be available in the recipient’s account within two hours.
  • by phone from accounts at other banks into your smile account, provided the other bank offers this service. Simply give your smile sort code and account number to your existing bank. This takes four working days
  • to most other UK accounts the same working day, using a CHAPS payment (see account tariff). To make a CHAPS payment, send us a secure message. Click here to see what information we need you to send
  • to accounts in some European countries using euro CHAPS it'll be completed on the same day. Payments can be made between 8:30am and 2:30pm (see account tariff). To make a euro CHAPS payment, send us a secure message. Click here to see what information we need you to send

foreign transfers

  • to accounts in the USA and some European countries using TIPANET, it'll take 5 - 7 working days
  • to all countries using SWIFT, if urgent, it'll take 1 - 4 working days, non-urgent 5 - 7 working days
  • to all countries within the European Union using structured payment, it'll be made on the same working day


We won't normally charge you for using your smile current account, but there are some fees. Things like arranging an overdraft or foreign transfers. All our charges are listed in these documents:

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.