smile - the internet bank

We’ve started again, building a brand new app brick by digital brick. What’s great about this is it makes it much easier for us to update and improve the app in the not-so-distant future.

The smile app has new features to help you bank your way, including fingerprint log in, credit card management and up to 13 months’ worth of transactions for you to view.

New features include:
Log in with your fingerprint
- Log in using fingerprint scanner
- Even quicker than using a passnumber, and just as secure
See more of your transactions
- View up to 13 months’ worth of transactions
- Spot your spending habits and keep on top of your finances
Clear your smile credit card
- Send money to your smile credit card directly
- No need to save your smile credit card as a payee
- Make your minimum payment, clear your balance or any amount you want easily
Plus you can:
- Easily transfer between your smile accounts
- Pay your saved payees – your saved payees will all be available on the new app
- Make one-off payments up to a total of £250 on a rolling 24-hour basis

When you log into the app for the first time, you’ll need to register your device. To do this, you’ll need the same login details you use for online banking: your username, password and security code. If you haven’t already registered for online banking, you can do this directly from the app.

Need help registering for online banking or logging into our new app for the first time? You can find help, information and walkthrough videos at


For security reasons, you’ll need a compatible device and operating system to use our mobile banking app.

You’ll need a device running Android version 5.1.0 or above. If you are not able to update to this version, please log in to smile online banking to access your accounts.


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.


Keeping your data secure is crucial. 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


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.

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.
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Additional Information

March 29, 2019
Current Version
Requires Android
5.1 and up
Content Rating
Offered By
The Co-operative Bank UK
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