iPhone Screenshots


Welcome to smile mobile banking app.

Our features include:

• Logging in with TouchID, FaceID or passnumber – its quick and secure
• Save and pay a new payee
• View and delete payees
• Browse over a year’s worth of transactions on your current, savings and loan accounts
• View and delete your scheduled payments
• 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

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 access our app.

Is my phone compatible

For security reasons, you’ll need a compatible device and operating system to use our mobile banking app. You also won’t be able to use the app, if your device is jail broken.

You’ll need an iPhone 5s / iPad Air or newer – running iOS 11.0 or above.

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 1.22

We’ve been busy making improvements, fixing minor bugs, including errors and crashes when making payments to give our customers a better experience. We hope you enjoy using our app.

Ratings and Reviews

2.0 out of 5
544 Ratings

544 Ratings

calconnor ,

Needs updating

I have been with smile for a long time and chose them because they were an internet bank . They really need to update the app I look at my husband and sons account who bank with high street banks and they can do so much more . When are you going to make provisions to make foreign transfers . You can do it directly I had to pay for the pleasure and the money never got to the recipient . Also what about banking cheques. Most banks allow yoi to scan. Not smile . Your app constantly loses connection so you have to keep logging in abs to be honest ypu need to start putting some effort into developing your app. Given it supposed to be self service and your call staff deal with so little wouldn’t it be a good idea to provide the mechanism by which we can do our own banking . Your app is slightly better than it was but still pants compared to others

Developer Response ,

Hi calconnor, thanks for sharing your thoughts. I'll ensure your comments are fed back to our Development team to review. If we introduce new features to our app, such as being able to make international payments or pay in cheques, we'll let our customers know. In the meantime, the options available to pay in a cheque can be found on our website here: https://www.smile.co.uk/faqs/general/how-can-i-deposit-cash-or-cheques/PROD-6398

Thanks - Dan

lulutait ,

Behind the times

I have banked with Smile for many years(14 maybe?) and initially they were ahead of the pack now though, they have been left far behind! Trying to call and email is a joke! I tried to make a payment to a new payee this week and on other bank accounts it comes up with “name and account matched” but not with Smile so, this meant having to transfer the money to another bank and then making a payment as I needed to know it was matched as it was a large sum. I cancelled a d/d on Monday and the company had tried to take it as it is showing debited; can I contact Smile? No! Tried going through “contact us” on the app and cannot get on to messages. Went through the whole menu option and cannot get on to “chat” either. When I make a payment on one of my other banks it comes up as a transaction literally the second I pay, with Smile it never does! You have been left behind and are probably losing business over it!

Developer Response ,

Hi lulutait, I'm sorry you feel this way. We're not currently opted into Confirmation of Payee but will be soon. However, as long as you've entered the correct details and you're sure the beneficiary is genuine you can still make transfers as you would have done before Confirmation of Payee was introduced.

You can send secure messages via your online banking and a member of our team will be happy to help. However, if a direct debit has been cancelled but the company still try to claim it the transaction will be removed the day after it was attempted once the system updates.

I'll make sure your feedback is passed on about the overall service. Thanks - Chris

Damo9999 ,

Final straw

Have been with smile almost since it began when it was the “internet bank”. Over time the products that it has offered have become less and less competitive and other banks have caught up, and overtaken, in terms of the services provided online and on apps. This clunky update, which is worse than what was previously offered, but which the bank claims will improve eventually is the final straw. Have now switched to a challenger bank offering a far greater experience on an app with a better current account product. I get the feeling that the co-op are winding down smile and letting it die. Such a shame at the lack of innovation over the last decade and longer.

Update: I was with smile for a long time and so keep checking back since I moved my account to starling. It seems that nothing has improved. Starling is absolutely brilliant in comparison. Why any of you stay with them is beyond me. Make the jump, you won’t regret it.

Developer Response ,

Hi Damo9999, I'm sorry to hear you've decided to switch banks following the introduction of our new app. We appreciate you taking the time to pass on your feedback and this will be passed over to our Digital team. - Dan

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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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