Current Account
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How do I order a replacement card? And how long will it take to arrive?
Just log into your online banking, view your current account, and then click ‘Order a replacement card’. It should take 2-3 working days to reach you. Learn more >
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How do I query a transaction I've seen on my current account?
You can log in to online banking and use our Live Chat service to find out more details about a certain transaction. If you suspect fraud, or spot a transaction that doesn't seem familiar, let us know straight away on +44(0)3457 212 212. Learn more >
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How long will it take to update my details?
We aim to have your details updated on our system by the next working day. Learn more >
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What is the smile address to use for setting up a Direct Debit?
The address to set up a direct debit is smile PO Box 600 Delf House Skelmersdale WN8 6GF Learn more >
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How do I register my smilemore current account and its additional benefits?
If you’ve already signed up to smilemore benefits, you can change them annually. Learn more >
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How much is the subscription fee for a smilemore current account, and when do I pay it?
The fee for the smilemore current account is £15.50 per month. Account holders can access a variety of benefits, including mobile phone insurance, breakdown cover and a £260 interest free overdraft. Learn more >
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Everything you need to know about your smilemore account
Everything you need to know about your smilemore account including benefits and important documents. Learn more >
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How do I let creditors know my new bank account details if I have switched accounts?
You can get a form to inform people you've switched accounts from our website. Learn more >
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What happens if there's a mistake or delay when switching my current account?
We'll fully reimburse any charges or interest incurred. Learn more >
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Will my credit rating be affected by switching my Current Account?
If you apply for a current account with us, you'll be subject to searches with credit reference agencies. Learn more >
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Joint Accounts Explained
A joint account can be very useful if you're two people looking to consolidate your finances. Learn more >
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How do I transfer from a joint account to a sole account?
To transfer your joint account to a sole account just complete the relevant form and send it back to the address provided on the form. Learn more >
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How do I increase my overdraft limit on my smile current account?
Just log into your online banking and send us a secure message. Learn more >
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What is an overdraft? And what's the difference between an 'arranged' and an 'unarranged' overdraft?
Arranged vs Unarranged overdrafts? Lets clear this up, once and for all! Learn more >
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My postcode isn't recognised in the postcode lookup. Why is this?
This might be because your building is new, and hasn’t been updated on our address records. Learn more >
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How do I order a chequebook for my account, and how long will it take to arrive?
A chequebook will take between 7-10 working days to arrive and can be ordered via secure message or Web Chat. Learn more >
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A payment was accidentally sent to my old current account. What happens now?
We’ll arrange for payments to be automatically redirected to your new account. Learn more >
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When using the switching service, when will you move the money in my old current account to my new account?
We’ll send you a definite date when we’re going to switch your account over – Direct Debits, balance and all. Learn more >
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One of my Direct Debited companies sent me a letter saying they haven't received a payment from my current account. What do I do?
The simplest way may be to phone the company, check your details and update them if needed. Learn more >
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I've asked my bank to stop debit card transactions from my current account. What happens now?
Our Current account switch service shouldn't interfere with this process 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