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 – without the need for a card reader
• 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
• Make one off payments up to a total of £250 within a 24 hour period
• Update your email address and telephone number

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 8.4.1 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 1.06

By popular demand, our latest update brings you the ability to view and delete your scheduled payments, in your mobile banking app. This will help you keep a track of your Direct Debits, standing orders and future dated payments with a reference so that you can manage your money better.

You can now also update your telephone number and email address using Touch ID, passnumber or Face ID.

Ratings and Reviews

1.6 out of 5
155 Ratings

155 Ratings

hplovejet ,

Sorry there has been an error

Latest update breaks ability to login! Developer suggested resetting passcode. Unsure if this means I forgot or if I need to remember another set of digits, but the solution isn’t acceptable in either case.

The developer reaction to my reply is to repeat the same unhelpful advice to change my security number. It may seem implausible to them, but they should consider customers who can’t be expected to remember an unlimited number of PINs without needing to write these down on or near their debit cards.

Developer Response ,

Hi hplovejet, if you reset the app you don't need to change your passnumber, you can reset it to the same one you've always used and it will still work. If the issue continues just start a live chat via your online banking, 7am-10pm, and member of our team can look into this further. Thanks - Chris.

ARDS0834 ,


I have been a blind customer for some years now, the old app worked really well. When the new one came out, it did not work with voiceover which is how someone who can’t see reads the screen. So I told them about it. I asked them to change it. What did they do about it? Absolutely nothing. I wouldn’t mind, but I told them about it weeks and weeks and weeks ago. Now the old app has gone, I am left with the new app, which doesn’t work for anybody using a screen reader, translated, that is anyone who can’t see. Thanks for showing such disrespect to your visually-impaired customers. Just get it fixed.

Update: finally after several months and several new versions, some progress been made. Still doesn’t work as well as the old one.

Developer Response ,

Hi, thank you for your feedback on our new mobile banking app. We appreciate you taking the time to give your feedback and welcome your thoughts to help us enhance our app and offer the best experience for customers using it. We will pass feedback over to our app team here who are continually reviewing the new app to see where we make future improvements.

If you require any further support, please visit www.smile.co.uk, or call 03457 212 212.. - Sean

PRM2 ,

Failed Login...

Like a lots of other users and after several months of correct operation, I now find that I can’t long in via the app. The error message is not helpful - “The page you are looking for is not available”. Repeated attempts to login in fail. The loss of telephone banking with this very poor quality app low functionality app is making Smile’s banking offer look very poor. Have a look at Barclaycard‘s app for a great app that works. Sorry Smile - your customers aren’t smiling; you are behind the curve.

Sorry Smile, your advice below simply does NOT work. I have given up using the app; I am using the website. Fix your app, fix your tech investment, get innovation and customers will be happy and will return.

Developer Response ,

Hi PRM2, I'm sorry for any inconvenience this has caused. If you receive this message, just return to login, select 'Forgotten passnumber?' and follow the steps. This will resolve it for you. We're regularly updating the app to add new features, and next up is access to regular payments. If there's anything else in particular you'd like to see you can let us know using the 'Leave feedback' link on our homepage. Thanks - Chris.


The Co-operative Bank plc
62.5 MB

Requires iOS 8.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
Rated 4+
© The Co-operative Bank 2016


  • Family Sharing

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

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