smile the internet bank 4+

The Co-operative Bank

Designed for iPhone

    • 4.7 • 5.3K Ratings
    • Free

iPhone Screenshots


Welcome to the smile mobile banking app.

Our mobile app features include:

• Log in with TouchID, FaceID or passnumber – it’s quick and secure
• Save and pay a new payee
• Browse over a year’s worth of transactions on your current, savings and loan accounts
• View and delete your scheduled payments
• View and delete payees
• Make payments to your smile credit card without the need to set up a new payee
• Transfer between your smile accounts
• Pay your saved payees
• Additional steps to protect you from fraud when paying a new payee
• Update your email address and telephone number.
• View up to 7 years of statements for current accounts, savings, ISAs and loans.
• Switch your statement preferences on your current or savings account
• The ability to apply for some products directly
• Share your account details with one of your contacts directly from the app

Gaining access

To gain access to our app you will need to register for online banking if you haven’t already done so. If you have, you will need your username, password and 6-digit security code to log in.

Is my phone compatible?

For security reasons, to use our mobile app you’ll need to be using an Apple device on iOS 12 and above, you also won’t 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 smile online banking to access your accounts.

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 and to help us to fix problems and 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.

Staying safe

To protect our customers we use a range of security measures including the latest encryption technology. Independent security experts have tested the security of our app.

There are still a few things you can do to protect yourself using the app:
• Only download the app from official app stores
• Never share your login details with anyone
• When logging on in a public place, keep your details out of sight
• Always install the latest security and operating system updates

Please note:

We won’t 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 and FaceID are trademarks of Apple Inc. registered in the US and 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 (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.

What’s New

Version 2.4.0

We've updated our mobile app. In this release we have:

• Introduced a new feature to enable you to dispute a card transaction within the app
• Fixed some minor bugs

Ratings and Reviews

4.7 out of 5
5.3K Ratings

5.3K Ratings

v6addict ,

So easy

Using face recognition, this app is so easy to use.
I really like the fact that I don’t have to get a one time passcode just to change the reference number on an existing payee.

The only thing I can’t seem to do is print my credit card statements, but I can do this using the browser on my laptop.

Developer Response ,

Thanks for your 5 stars! We will continue to add more features in future updates. - Chris

Penketh Joe ,

Recent problems.

I’ve been using Smile bank almost since it started and have been satisfied. I have recently updated my IPad to Gen 10 and since then the problems have started. Very often when opening the App I get a message that security details cannot be verified and the only way I have found to re-activate it, is off load and re- install, this works for a while and then the problem starts again. I have removed the App and started again, all my Apple updates are in order and still it happens. I have contacted the bank by phone and got nowhere. I am now considering this is too much and looking at my options.

Developer Response ,

Hi, I'm really sorry to hear that you're having continues issues using our mobile banking app. Please send a secure message through online banking and we can get the issues you're having raised with our IT team. Thanks - Michelle

2 new knees in a year ,

When it works it’s fine

Unfortunately it’s either a iOS update or the smile app update either iPad or iPhone 8 will come up with the message it can’t find a secure connection so have to delete and reinstall.
Other thing that’s really annoying you can’t pay cheques in using it like several other banks
Living in rural Cornwall there’s no longer a branch in the county once Truro’s the coop bank closed.
As for using post offices you assume we all have access to one. If I didn’t drive there isn’t a local PO.
Nearest the next village 2.5 mikes away has a mobile post office van 1.5 hrs once a week

Developer Response ,

Hi, thanks for your review. I'm really sorry for the inconvenience this is causing our IT team are aware of it and are hoping to have a fix in place soon. As well as paying cheques in at the Post Office you can also send them to us. Please click this link for details: Thanks - Michelle

App Privacy

The developer, The Co-operative Bank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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