# smile the internet bank > Mobile banking app for managing finances, transfers, and account details. (iPhone/iPad app by The Co-operative Bank.) - Source: https://appshunter.io/ios/app/smile-the-internet-bank/id1441405669 (this page in markdown: same URL + `.md`) - Developer: [The Co-operative Bank](https://appshunter.io/developer/524673636) - Category: Finance, Utilities - Price: Free - Rating: 4.80/5 from 33 App Store ratings · 128 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 62 MB - Languages: American English - Released: 2018-12-08 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/smile-the-internet-bank/id1441405669/reviews.md ## What is smile the internet bank? New to our app? The smile mobile banking app comes with features that makes it quick & easy to manage your money on the move. Benefits • Access & manage your finances anywhere, at any time • Quick & secure money transfers between your accounts & other people • Search your transactions & view your pending payments to find your incomings & outgoings Key features Download the app today & enjoy secure, convenient & efficient banking at your fingertips • Quick & secure login with TouchID, FaceID or passnumber • Browse & search over a year’s worth of transactions on your current, savings & loan accounts • View your pending payments • Create & pay new payees • Pay, view & delete your saved payees • Transfer money between your smile accounts (including to your credit card) • View & delete your scheduled payments • Freeze and unfreeze your card securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card • View up to seven years of statements for current accounts, savings, ISAs & loans • Use our easy to navigate account dashboard to help to you with your daily banking tasks • Update your email address & phone number • Share your account details with your contacts • Switch your current account to us • Apply for some products directly • Find answers to your questions quickly on our help page Fraud protection The app also gives you additional protection from fraud. This is because we alert you of any account changes such as new device registration. We also have a fraud hub with a wide range of educational resources to help protect you from fraud. Make sure you always install the latest update of the app to get the latest improvements & security measures. Logging in If you’re already registered for online banking, you will need your username, password & 6-digit security code to log in. If you’re not registered for online banking yet, you can either do this by tapping 'Register for online banking' in the app, or register for online banking on our website. Device compatibility For security reasons, you’ll need to be using an Apple device on iOS 15 or above to use our mobile app. You also will not be able to use the app if your device is jailbroken. If you are not able to update to this version, you can log into online banking to access your accounts instead. Terms of use We collect non-personal user data to monitor how well the app works. For example, measuring how long you spend on a particular screen. We collect a limited amount of personal data to allow you to use the app, for fraud prevention purposes & to help us to fix problems & improve the app for everyone. Everyone is opted in to this feature. If you do not want us to process your personal data in this way, please delete the app. If you download the app, you consent to sharing how you use it. Find out more about how we use this in our Privacy Policy, available within the app. Important information Please note: We will not charge you for downloading or using the app. However, your mobile network provider may charge you for data use, depending on your tariff or contract. Contact your operator for details. You may also use this service when connected to a Wi-Fi network. Apple, Touch ID & FaceID are trademarks of Apple Inc. registered in the US & other countries. The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No: 121885) smile is a trading name of The Co-operative Bank p.l.c. Registered office: 1 Balloon Street, Manchester, M4 4BE. Registered in England and Wales (Company No: 990937). Credit facilities are provided by The Co-operative Bank p.l.c. & are subject to status & our lending policy. The Bank reserves the right to decline any application for an account or credit facility. ## Key features - 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 ## What do users think of smile the internet bank? Overall sentiment: mixed **Pros** - 👍 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 **Cons** - ⚠️ 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 **Commonly reported bugs** - App unavailable/Mobile App Unavailable error - Cannot login after logout - Security verification failures requiring reinstall - Face ID toggle not working on iOS - Transaction list not updating - Keyboard decimal point issue on iPhone - App crashes on iOS 18 update - Session timeout while actively using app - Pending transactions not displaying correctly - Reference field being removed on payment updates - Amount field not read out for accessibility - App logging out after brief absence **Most requested features** - In-app secure messaging capability - Cheque deposit/scanning functionality - Card freeze/lock feature - Real-time payment notifications - Scheduled/future-dated payments - Standing orders via mobile app - Transaction search functionality - Statement download to spreadsheet - Card details visibility in app - Increased daily payment limits - Better payee list organization - Face ID/biometric improvements - iPad landscape view support - Open banking integration - Extended credit card statement history - Transaction query feature - Improved reference field management ## Recent user reviews (10 of 128) All indexed reviews: https://appshunter.io/ios/app/smile-the-internet-bank/id1441405669/reviews.md ### 1/5 — Total rubbish since Smile essentially disappeared *2026-07-24, version 4.4.0* So sad to see the best bank in the world descend onto such utterly appalling rubbish!!!! ### 3/5 — App lacks full bank functionality *2026-07-22, version 4.4.0* The app doesn’t have the same facilities as the website. Smile/co-op still doesn’t support open banking! Unbelievable! ### 5/5 — Easy to use *2026-07-20, version 4.4.0* As title says, very straightforward no nonsense app. ### 4/5 — Useful but missing features *2026-07-15, version 4.4.0* Very useful app but still lacks access to secure messaging which is very bizarre that after several years, in 2026, they still don’t have this key feature and forces you to use a PC. ### 1/5 — Don’t expect to be able to get to your money! *2026-07-13, version 4.4.0* The absolute worst nonsense ever with security. Answer all the security questions and get your account frozen. Go nowhere near this bank ### 5/5 — Simplicity is king *2026-07-10, version 4.4.0* Excellent banking app that does (nearly) everything you expect from a good banking app. And it's ethical 😊 ### 4/5 — Normally good but when updated have to reset the finger print login *2026-07-09, version 4.4.0* I don’t like the small keyboard as am elderly . ### 5/5 — Easy to use *2026-07-04, version 4.3.0* Easy to ise ### 3/5 — Sorting Payees *2026-05-22, version 4.3.0* 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. ### 4/5 — Lagging capabilities *2026-05-21, version 4.3.0* The app is ok but sparse on features. Could do with a “pay by bank” options ## Frequently asked questions about smile the internet bank ### 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. ## Version history (last 5 releases) ### 4.4.0 — 2026-07-08 We’ve updated our mobile app. In this release: • You can create a standing order to a saved payee ### 4.3.0 — 2026-05-06 We’ve updated our mobile app. In this release: • We’re getting things ready behind the scenes. New features are on the way to help you manage your cards more easily ### 4.2.0 — 2026-03-24 We’ve updated our mobile app. In this release: • You can now add a future date when transferring between your accounts ### 4.1.0 — 2026-03-03 We’ve updated our mobile app. In this release: • Bug fixes & performance improvements • Getting ready for the Card Management Hub - work is happening behind the scenes so you’ll soon be able to freeze and unfreeze your cards ### 3.16.0 — 2026-01-20 We’ve made improvements to our mobile app. In this update you can: • add a future date when paying a new or existing payee ## More apps by The Co-operative Bank - [Co-operative Bank](https://appshunter.io/ios/app/co-operative-bank/id1439204021) - [Co-operative Bank – Business](https://appshunter.io/ios/app/co-operative-bank-business/id1535620461) - [Co-operative Bank BusinessHelp](https://appshunter.io/ios/app/co-operative-bank-businesshelp/id1639523613) All apps by The Co-operative Bank: https://appshunter.io/developer/524673636 ## Related topics [st george](https://appshunter.io/ios/topics/st-george) · [the cooperative bank](https://appshunter.io/ios/topics/the-cooperative-bank) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*