smile - the internet bank

New to our app?
The smile mobile banking app makes it quick and 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 and outgoings

Key features
Download the app today & enjoy secure, convenient & efficient banking at your fingertips
• Quick & secure login with your fingerprint 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 your smile 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 directly
• Switch your current account to us & access exclusive savings accounts
• 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 & if there are a change of details so you can contact us if this was not you.
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 and 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’ll need to do that first. You can either do this by tapping 'Register for online banking' in the app, or register for online banking on our website if you'd rather do it beforehand.

Device compatibility
For security reasons, you’ll need to be using need to be using an Android device with an operating system of at least version 9.0. You also will not be able to use the app if your device is rooted.
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 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.

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.
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. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility.