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smile the internet bank

smile the internet bank

by The Co-operative Bank plc

33 ratings
116 reviews
🔧 Utilities
💰 Finance
Free

Details

  • Released
  • Updated
  • December 8, 2018
  • July 8, 2026

Features

Developer

The Co-operative Bank plc
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Reviews summary↘︎
⭐116
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📝3+ tags
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❓5 answered
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📦~ in 1 month
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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

Summarized from real user reviews of smile the internet bank. Based on 33 reviews and a 4.8/5 average, it highlights the 8 positives and 10 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to use and intuitive interface
  • 🔒Reliable security features and fraud protection
  • ⚡Fast money transfers and transactions
  • 💼Ethical banking practices
  • 📱Accessible 24/7 mobile banking
  • 😊Loyal long-term customer satisfaction
  • 🎯Simple and straightforward functionality
  • 🔐Good customer support during emergencies

Negative things

  • ⚠️Outdated app design and functionality
  • 🐛Frequent app crashes and unavailability
  • ❌Missing modern banking features
  • 📵No real-time notifications for transactions
  • 🔌Requires desktop for many operations
  • ⏱️Long customer service wait times
  • 🚫Limited transaction history access
  • 💰Low daily payment limits
  • 🌐No open banking API support
  • 📊Poor credit card management features
See all reviews

What's New in smile the internet bank

4.4.0

July 8, 2026

We’ve updated our mobile app. In this release: • You can create a standing order to a saved payee

User reviews

Most RecentHighest RatedLowest Rated

Sorting Payees

We need to be able to find payees easier. Add a search function. This is basic. Also just because you changed the reference on a payment doesn’t mean it should stay in the payees details and mean that next time there’s an additional payee.

Also, you should be able to validate all of the pays in one go. Get them all validated.
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Agenda makerAgenda maker

It’s Basic but needs more features

I have been with smile for years now and use the app that does the basics well, however it is missing plenty of features that other banks have ( message through app, scan cheques just to name a couple ) I have also looked back over old reviews and these 2 points keep coming up from years ago but still nothing done. I know this will get the standard response saying it will be passed to the developers, but will they actually be looked at???
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ThebadgesThebadges

Rubbish App!

Update: 8.4.26: yet again the app is unavailable! Co-Op are clearly not investing any longer in Smile bank. Definitely time to leave - so frustrating.

Original review, March 2026: This app hasn’t been working for days now and won’t even launch, saying ‘Mobile App Unavailable’. I’ve even deleted and reinstalled it in case it was a glitch on my phone. Completely unacceptable for an online only bank - Smile has been in decline for years and this is one more nail in the coffin.
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Foodie_UKFoodie_UK

SMILE 😊

I am so happy with the advancements made to the mobile app, it’s so easy to use and it has come along way over the years. Great bank!
BobbiesmumBobbiesmum

Unable to read secure messages on mobile app

Have to use desktop app to send or read secure messages which is not good if you only have access to your mobile.
BigKahunaBurger1BigKahunaBurger1
See 111 more reviews

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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
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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.