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Setting up smile mobile banking

To use the app, you’ll need to be registered for online banking and know your login details. If you are not already registered for online banking, you can easily register once you’ve downloaded the 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, Face ID (only available on iOS devices) or a passnumber

  • Browse over a year's worth of transactions on your current, savings and loan accounts

  • Save and pay a new payee

  • View and delete your existing payees

  • If you don't want to save a payee, you can make one-off payments up to a value of £250 in a 24 hour period

  • View and cancel your Direct Debits, standing orders and future dated payments (where you have 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 the need to set up a new payee

  • Easily 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

Need a hand setting up your app?

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

Reset your security details

Not registered?

No worries. Find out how to register.

Help using the app

Making a one-off-payment

You can make a one-off payment (up to the value of £250 in a 24 hour period) to somebody new. You'll be asked to verify new payments by using your fingerprint, Face ID or passnumber. Download the app from the App Store or Google Play Store.

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Having trouble logging into the mobile app?
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We want to keep improving

We are continuously making improvements to our app, based upon your feedback, so that you can bank the way you want to.

Learn more about what’s coming next in mobile

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.
More about how we protect you

Unanswered questions?

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