Mobile banking

The mobile banking app from smile comes with extra features and makes it quick and easy to manage your money on the move.

Setting up smile mobile banking

To get started with mobile banking you'll need to register for online banking first. Which if you haven't already done so, you can easily do within our app.

Once you’ve downloaded the app you’ll be prompted to enter your online banking:

  • Username
  • Password
  • 6-digit online banking security code

Next we’ll send you a verification code. You can choose for this to be sent to the mobile phone number or email address you have registered with us. You’ll then be prompted to enter the verification code. Never share this code with anyone.

Please note – the code you receive will be valid for one hour. If your code expires or you haven’t received it, you can request for us to resend it to your chosen device.

Once we’ve verified your identity we will ask you to create a 6-digit passnumber.

Giving you a reason to smile...

Manage your money easier. Check your balance. Make payments and view transactions. Wherever you are, whenever you want. The new app lets us make updates and improvements to the app more often, so that you can bank happy.

  • Log in securely with your fingerprint, facial recognition (if your device supports it) or a passnumber.
  • Browse over a year's worth of transactions on your current, savings and loan accounts, including pending debit card transactions.
  • Make payments to new and existing recipients.
  • View and delete your existing payees.
  • View and cancel your Direct Debits, standing orders and future dated payments (where you provided a reference).
  • Update your contact number and email address.
  • Quickly transfer money between your smile accounts and make payments to your smile credit card without having to set up a new payee.
  • Share your account details with one of your contacts
  • Change your marketing preferences and let us know how you want to be contacted – via post, email, phone or SMS.

Download our mobile banking app

Take control of your finances on the go.

Download on the App Store

Get it on Google Play

Need a hand setting up your app?

Online banking details slipped your mind? Here's how to reset them.

Get a username reminder

Reset your security details

Help using the app

We are aware that some customers are experiencing issues logging into the mobile banking app. This issue is affecting both Android and iOS devices and may result in having to re-register for the mobile app. We apologise for any inconvenience this is causing you and we are working hard to fix the problem.

While we are fixing this problem, here is some guidance to help you get back into the mobile app.

Seen the ‘There has been an error’ message?

If you see a message which says ‘There has been an error’ message when attempting to log in, you may need to re-register for the mobile app on your device after following the below steps.

  1. Check to see whether you have the app running in the background. If you do, close the app completely then re-launch.
  2. Try and log in to the app again.
  3. If you keep seeing this message check you have a stable internet connection.
  4. If the problem persists you will have to re-register. This can be done by selecting ‘I can't log in’ from the login page. You will need to know your online banking username (you can request a reminder here), password and security code. If you can’t remember your security details, you can reset them online, so long as you know one of either your password or security code. You’ll need to enter a verification code we will send to you by text message or email. It's important that you never tell anyone your verification code. If you don't know both your password and security code, you'll need to call us to reset your security details. We're available on 03457 212 212 for current accounts and savings accounts, or 0345 600 6000 for credit cards (call charges apply).

Other checks you can do if you are experiencing issues with the mobile app

  • If you are on an iOS device and see a white screen, or are on an Android and see ‘web page unavailable’ please check that you have internet connectivity by accessing another trusted app or web page such as Google or BBC News.
  • If you have a new device then you will need to re-register for the app. Even if you have restored data from your previous device and the app is installed. On launching the app you will be taken to the login screen; however you will need to re-register by selecting ‘I can't log in’
  • If you have deleted and reinstalled the app then you will need to re-register.
  • Android only - If you are confident you are inputting the right passnumber but see an error message ‘Please try again. After 5 unsuccessful attempts, your access to mobile banking will be frozen for 1 minute’, you will need to re-register and attempt to log back in. If this doesn’t resolve the problem, it may be an issue with the handset and you will need to contact your mobile phone manufacturer to discuss how they can support you in resolving the problem.

To use our mobile banking app, your device must be running on iOS 15 and above, or Android 7 and above.

Why can't older operating systems be used?

Both Apple and Android regularly release updates to keep your device protected against potential threats, add new features, and fix any bugs or issues. When older operating systems become outdated, the manufacturers stop sending these updates. This means that those systems are less secure, making you more vulnerable to fraudsters, hackers and malware.

We do everything we can to keep your money safe. This is why we only run our app on devices with the most secure operating systems.

How to check if your device needs updating

Apple iPhone/iPad

  1. Go to Settings > General > Software Update.
  2. Check what iOS version you have - if it’s earlier than iOS 15, you will need to update your device if you want to use our app in the future.
  3. If there’s an update available, you should have the option to either ‘Install Now’ or ‘Download and Install’.

Make sure to back up your device beforehand using iCloud or your computer.


  1. Go to Settings > System > System update.
  2. Check what Android version you have. If it’s earlier than version 7, you will need to update your device.
  3. If there’s an update available, follow the instructions on the screen.

What if your device can’t be updated?

If there are no updates available for your device and you’re unable to use our app, you’ll still be able to use your mobile device to log into online banking.

Get the latest version of our app

Download on the App Store

Get it on Google Play

Apple, iOS, iPhone, iPad and the Apple Store are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google LLC.

If you would like to change your mobile passnumber, you will need to re-register your device. To do this:

  1. Click 'I can't log in' from the login screen
  2. Click re-set the app and the app will close
  3. Re-open the app
  4. Accept the terms and conditions
  5. Follow the instructions on screen

The app is available on both iPhone and iPad

When searching for The Co-operative Bank app on an iPad, the device will search the app store for iPad only apps by default. Your search can be modified using the filters, where you can change the iPad only criteria to iPhone only. You can then find the app and download it to your iPad, where it will function as normal.

If you have lost your phone, contact your mobile network provider immediately so they can disable your phone. Nobody will be able to login to your mobile banking app without your passnumber, fingerprint or Face ID.

Find out more about how to protect your data if you have had your Apple or Android device stolen.

If you change your phone, you will need to re-download the app from your app store and follow the instructions on the screen.

You can easily enable fingerprint (Touch ID) or facial recognition (Face ID) if your device supports it. Once you've logged into the app:

  • From the bottom right hand side of your screen, tap 'More', then 'My settings and details'
  • From here you'll see 'Login with Touch ID / Face ID' if you have a compatible iPhone device or 'Login with your fingerprint' if you have a compatible Android device
  • Tap the relevant option you'd like to use and slide the toggle to the right to enable it.

What you need to know if you have previously set up balance and limit text alerts

Balance and limit text alerts are not available to set up in our new app. You will also no longer receive alerts that you set up in a previous version of our app. Overdraft alerts will be unaffected; we will continue to send you a text to notify you either before you go into or when you have entered into an unarranged overdraft.

How we keep mobile banking secure

We're committed to making your mobile banking experience as safe and secure as possible.

When paying someone new we will check that you’re confident about who you are paying. We’ll do this by guiding you through tailored information and providing the option to cancel it and discuss your concerns.

We use advanced encryption technology to stop unauthorised users from reading secure information.

We have a range of fraud detection systems and regularly monitor your accounts for suspicious activity.

Verification codes provide you with an additional layer of protection when you bank online that helps us to protect your accounts.

Our fraud guarantee helps you recover money taken in fraudulent activity in the unlikely event you fall victim of fraud.