- Get one view of your money across your accounts
- Track your spend and set budgets
- Save to reach your goals
- Pay your friends
The UK’s first digital bank, smile is known for its role in past technological innovations in banking. It now operates as a trading division of The Co-operative Bank, but its unique history ensures it’ll always remain a distinct entity. While it was on the cutting edge of banking in the late 90s, is it still today? We’ve had a look at the smile app to see how it measures up to its peers.
If you’re looking for the perfect mobile banking app suited to your needs, but you’re coming up short, have a look at our reviews that give you all the information you’ll need to make the best choice. Here, you’ll find rundowns of mobile banking apps by the likes of Barclays Bank, Halifax, Lloyds Bank, NatWest, RBS, Nationwide, Santander, first direct and HSBC.
The smile app is an app for smile customers, allowing them to quickly and easily check their balance and to manage their money wherever they are in the world. It also boasts a fair few extra features.
In order to set up the smile mobile banking app, you’ll need to register with smile online banking. If you’re not already registered, you can be do this through the app itself. Once you’ve registered with online banking, you can log in to your smile account in the app. You’ll then be able to see balances and transactions for each account. You can also do the following:
The easiest way to apply to open a new account with smile is online. Go to the smile website to open a sole or joint account, open a second account or switch your existing account to smile.
Aside from the option to manage your savings account alongside your current account, and also set up standing orders, there’s no budgeting tool built in to the smile app. While some apps, such as Starling or Barclays Bank for example, allow you to see a categorised “breakdown” of your spending, the smile app has no such feature.
The Financial Services Compensation Scheme (FSCS) is an independent statutory fund set up to safeguard consumer finances in the event of a bank being unable to meet its payment demands. The Co-operative Bank, and therefore smile, has full FSCS protection, which provides compensation for the loss of up to £85,000 – as is the standard for UK bank accounts.
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