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.
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.
Developer Response
Thanks for your 5 stars! We're always here for you. - Chris
When it works it’s fine
2 new knees in a year
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 banksLiving 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: https://www.co-operativebank.co.uk/help-and-support/payments/cheques/how-to-pay-in-a-cheque/index Thanks - Michelle
Recent problems.
Penketh Joe
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
Always under maintenance
Jo harris
I’ve been with Smile since the beginning and they were a fun, easy bank winning awards. It was frustrating that pending was just the total amount but now all pending transactions are shown individually which I’m really happy about. However this seems to be at the cost of hours and hours of maintenance meaning the improved app is so often not available in the night when I use it! Also the call waiting is always in excess of 20 minutes, messages are difficult to send and it’s just like any other bank now.
Developer Response
Hi Jo thanks for leaving a review and for your feedback. I'm really sorry about the inconvenience caused by the recent maintenance to our digital services and for the wait to speak to an adviser. Your feedback has been passed to the relevant teams. - Michelle
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
Version 4.3.0
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, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
The Co-operative Bank plc
Size
63.3 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
