Ways to bank

It’s your money. Access it whenever you need to.

We like to keep things simple.

And we know you probably do too.

That’s why — over the years — we’ve taken steps to let our customers do more things through their online banking. No queues. No fuss. Just good stuff.

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Online banking

Make payments, set up standing orders, and manage your accounts anytime, anywhere.

Tell me more about online banking

Mobile banking

Send a one-off payment, up to a total of £250, to anyone within 24 hours. You'll be asked to verify new payments by using your fingerprint, Face ID or passnumber.

Tell me more about mobile banking

Apple Pay

The easy way to pay with your smile debit and credit cards.

Tell me more about Apple Pay

Automated telephone

Check your balance and make payments between your smile and Co‑operative Bank accounts.

Tell me more about automated banking

Post Office ®

Make deposits into your current or savings account at any UK Post Office.

Find a Post Office

Other ways to bank

You can also visit a Co‑operative Bank branch if you need to make deposits or withdraw cash from your account.

Find a Co‑operative Bank branch

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We're digital and proud.

But we know there are times when you might need to check your balance over the phone. Or deposit a cheque at the Post Office.

So if you’re unsure about where to go — or what’s the best option — you can compare our services.

	Online Banking	Mobile app Download the mobile app	Automated telephone banking What’s automated telephone banking?	Post Office Find your local Post Office	ATM	The Co‑operative Bank branch Find a Co‑operative Bank branch
How do I check my balance and recent transactions?	Check your balance and recent transaction with Online Banking	Check your balance and recent transaction with Mobile App Quickest way Download the mobile app	Check your balance and recent transaction with Automated telephone banking What’s automated telephone banking?	Check your balance and recent transaction at the Post Office Balance enquiry Find your local Post Office	Check your balance and recent transaction at an ATM
How do I make payments and transfers?	Make payments and transfers with Online Banking	Make payments and transfers with Mobile App Quickest way Download the mobile app	Make payments and transfers with Automated telephone banking Between smile & Co‑operative Bank accounts What’s automated telephone banking?
How can I manage standing orders and Direct Debits?	Manage standing orders and direct debits with Online Banking
How can I order stationery, e.g a cheque book, paying in book and paying in envelopes?	Order stationery, e.g a cheque book, paying in book and paying in envelopes with Online Banking
How can I update my contact details?	Update your contact details with Online Banking
How can I deposit cash or cheques?				Deposit cash or cheques at the Post Office Find your local Post Office		Deposit cash or cheques at the Post Office Find your local Post Office
How can I make a cash withdrawal?				Deposit cash or cheques at the Post Office Find your local Post Office	Deposit cash or cheques at the Post Office Find your local Post Office	Deposit cash or cheques at the Post Office Find your local Post Office

Post Office services are available if your account has a debit or cash card. If you don't have a card you can still deposit cheques.

Post Office and the Post Office logo are registered trade marks of Post Office Limited.

For more specific queries and detail, visit our FAQs.

Important documents

Terms and conditions of use for the online and mobile banking service

Download PDF (152KB)