smile the internet bank

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
• 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 & regulated by the Financial Conduct Authority & the Prudential Regulation Authority (No. 121885).


The Co-operative Bank, Platform, smile & Britannia are trading names of The Co-operative Bank p.l.c., 1 Balloon Street, Manchester M4 4BE. Registered in England & Wales 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. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board