smile the internet bank

smile the internet bank

by The Co-operative Bank

34 ratings
137 reviews
Free

Details

Released
December 8, 2018
Updated
October 13, 2026

Features

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About

Manage your finances on the go with a secure and convenient mobile banking app. Quickly transfer money, search transactions, view pending payments, and manage your accounts from anywhere, anytime. Features include secure login, card management, and access to statements.

✓Secure login with biometrics
✓Quick money transfers
✓Transaction search
✓View pending and scheduled payments
✓Card freeze/unfreeze
✓Access up to seven years of statements
✓Account dashboard
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What users say about smile the internet bank

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What's New in smile the internet bank

4.7.0

October 13, 2026

What's New • New feature: Set up standing orders between your own smile accounts directly in the app. • Performance improvements and bug fixes.

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User reviews

Still a great service

I was an early customer for Smile online banking. It has provided excellent service over many years.

Negative fear tactics

The first thing I say when I open my banking app is fear and worry about people scamming me. How do you think that makes somebody feel who is already in a bad place? You need to stop this at once? Otherwise I will have to stop using the app.

Early adopter

I have been with Smile since very soon after it launched. Nothing but good things to say. Being a dedicated internet bank from the start means it has a proven track record and understands the market. My reason for joining was wanting an ethical choice but the great service has been an added bonus!

Response from developer

We really appreciate your wonderful feedback and support! Thanks for sharing your 5 stars with us. - Chris

Fairly basic but does the job

I find the app convenient but I (and I know lots of others) can’t understand why messaging isn’t on the app even though this has been requested for a number of years. I know that there will be the usual glib response that messaging can be performed on line but this time consuming and inconvenient and what if someone is away from their computer or doesn’t have access to on line facilities? Instead of the glib replies eg go on line or we just want to get updates out quickly etc etc how about explaining why messaging has never or even why it will never be implemented.
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Response from developer

Thanks for sharing your feedback with us. Feedback helps shape the future changes we make. - Chris

The Original now a Laggard

Limited functionality compared to Monzo and Natwest. Resolutions of issues lags both. Room for improvement

Developer apps

User experience

🐞

Reported Bugs

12 issues

App unavailable/Mobile App Unavailable error

Bug

Cannot login after logout

Bug

Security verification failures requiring reinstall

Bug

Face ID toggle not working on iOS

Bug

Transaction list not updating

Bug

Keyboard decimal point issue on iPhone

Bug

App crashes on iOS 18 update

Bug

Session timeout while actively using app

Bug

Pending transactions not displaying correctly

Bug

Reference field being removed on payment updates

Bug

Amount field not read out for accessibility

Bug

App logging out after brief absence

Bug
✨

Requested Features

17 requests

In-app secure messaging capability

Feature

Cheque deposit/scanning functionality

Feature

Card freeze/lock feature

Feature

Real-time payment notifications

Feature

Scheduled/future-dated payments

Feature

Standing orders via mobile app

Feature

Transaction search functionality

Feature

Statement download to spreadsheet

Feature

Card details visibility in app

Feature

Increased daily payment limits

Feature

Better payee list organization

Feature

Face ID/biometric improvements

Feature

iPad landscape view support

Feature

Open banking integration

Feature

Extended credit card statement history

Feature

Transaction query feature

Feature

Improved reference field management

Feature

FAQ

What can I do with this mobile banking app?

This app allows you to manage your finances on the go. You can access and manage your accounts, make quick and secure money transfers, search your transactions, view pending payments, and manage payees. It also offers features like card freezing and unfreezing, and access to statements.

How do I log in to the app?

If you are already registered for online banking, you will need your username, password, and a 6-digit security code to log in. If you are not yet registered, you can register directly within the app or on the bank's website.

Is this app free to use?

Yes, the app is free to download and use. There are no charges mentioned for using the core banking features within the application.

What devices is this app compatible with?

The app requires an Apple device running iOS 15 or above. It cannot be used on jailbroken devices. If your device does not meet these requirements, you can access your accounts via online banking.

How does the app protect me from fraud?

The app provides additional protection from fraud by alerting you to account changes, such as new device registration. It also includes a fraud hub with educational resources to help you stay safe from fraudulent activities.