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Smile

Award winning* Smile is part of the of The Co-operative Financial Services (CFS) family, meaning that they are ethical – they believe in not hiding charges and fees etc and always being open and honest. They CFS group’s ethical standards govern the types of businesses the bank will and will not offer its services to.

They believe in ecological banking, taking around 98% of their electricity from renewable sources.

Smile bank was launched in October 1999 and was the UK’s first full Internet bank, with its interest rates and charges positively reflecting the reduced costs
of Internet banking.

Smile is widely recognised by its vibrant pink and black ‘smiley’ logo.

They offer a wide range of products including current accounts, savings accounts, mortgages, student accounts, ISA’s. investment accounts and loans.

The Smile personal loan offers loan repayment periods from one to seven years and a fixed rate of interest so that you always know how much exactly you will need to pay.

* In 2004 Smile won awards for the Best ISA Provider, Best Credit Card Provider and Best Customer Service Overall in the Guardian/Observer Consumer Finance Awards. And in the same year, Smile won the best bank website for the second year running at the prestigious Online Finance Awards.

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