Total rubbish since Smile essentially disappeared
So sad to see the best bank in the world descend onto such utterly appalling rubbish!!!!
App lacks full bank functionality
The app doesn’t have the same facilities as the website. Smile/co-op still doesn’t support open banking! Unbelievable!
Easy to use
As title says, very straightforward no nonsense app.
Useful but missing features
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.
Don’t expect to be able to get to your money!
The absolute worst nonsense ever with security. Answer all the security questions and get your account frozen. Go nowhere near this bank
Simplicity is king
Excellent banking app that does (nearly) everything you expect from a good banking app. And it's ethical 😊
Normally good but when updated have to reset the finger print login
I don’t like the small keyboard as am elderly .
Easy to use
Easy to ise
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.
Also, you should be able to validate all of the pays in one go. Get them all validated.
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Lagging capabilities
The app is ok but sparse on features. Could do with a “pay by bank” options
Cannot add app to iPhone 17
Just got a new phone had this app for years but cannot add it to my new phone , why is this
excellent
Clear and accessible. A very useful app as well.
Rachel H
The app is often glitching. When it is unavailable I have been left unable to buy shopping as I can’t access the app to move money from savings to current account.
It is an unreliable app.
It is an unreliable app.
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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Response from developer
Hi, thanks for your review and feedback. We're always looking at ways to improve our app. We've recently added the option to freeze cards and we've plans to add more feature with future updates. I've passed your comments to our development team. Kind regards – Sammie
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.
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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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!
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.
Reliable and easy to use
I was recently scammed by someone posing as the bank advisor to make payments to a new account on the basis of a fictitious withdrawal attempt. The scammer arranged to phone me the next day but by then I was suspicious and had phoned 159 who linked me up with the Co-operative bank fraud department. I was given advice to change all my passwords after having my i-phone professionally cleaned up. Meanwhile they froze my account and agreed to send a new debit card. When this action had been taken, they quickly restored my account and refunded the money I’d lost. I’m so grateful for the Co-op’s advice and support during this worrying time.
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Response from developer
Thanks for your 5 stars! We're always here for you. - Chris
Unable to freeze Card
Well……the ability to freeze a card directly thru the app is standard for modern mobile banking…..but not for the Smile. Hmmmm
User friendly
I’ve used this app for ages and found it simple to use, safe and effective.