Applying

What happens once I've applied for a credit card?

You should normally get a decision within a few minutes. You can track your application as soon as you've submitted it. Learn more >
I'm an overseas resident. Can I open a credit card account?

We don't currently offer credit cards to non-UK residents. Learn more >
What are the interest rates on your smile credit cards?

The interest rate we offer differs according to your circumstances. Learn more >
I was an overseas resident but now live in the UK. Can I apply for a credit card?

Yes, if you meet our eligibility criteria... Learn more >
Which credit card offers cashback?

The smile Classic Credit Card is currently the only one that offers cashback. Learn more >

Speak to us on Live Chat

If you’re looking to discuss a query about your account with us, you’ll need to log in to online banking to initiate a Live Chat.

Open 7am - 10pm every day

Need more info? Contact us