iPhone Screenshots


The way you bank is changing – and so are we, with a new smile banking app.

New features include:
Log in with TouchID and FaceID
- Log in using your face or fingerprint
- 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 https://www.smile.co.uk/mobile/


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

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, 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.

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 1.05

Since our last update we have been working hard to get ready for the next big feature.

We need to make a couple of small changes to your app but don’t worry, these won’t impact your apps performance. In fact you won’t see any difference now, this will just enable us to make the next version even better for you.

Ratings and Reviews

2.0 out of 5
71 Ratings
71 Ratings
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.

bloostar76 ,

Great app, getting better with every update.

Been using smile since day 1 and the new app is great. Slow but steady/secure improvement is the best way to go.

Would love to have an option for alerting me if a debit card payment is more than a set amount or to temporarily halt card based transactions if these payments exceed a set daily/weekly amount. I had a card stolen years ago and this would have been great at the time.

Developer Response ,

Hi bloostar76, thanks for your review and we really appreciate your feedback. We'll be updating the app regularly and listening to customers when deciding what features to introduce next. I'll pass your suggestion onto our Digital team. Thanks - Chris.

T0mmy tuck€r ,

Get app

It’s a very helpful and secure app. Much better than previous one, and works well. Good to have the Touch ID log in, and really easy to pay someone (eg if a friend pays an extra round you can immediately pay them, or a child calls saying the need more money it is transferred to them by you in a minute). Thanks Smile.

Developer Response ,

Hi, thanks for the 5 star review. I'm glad you like the app and you've found it useful. We'll be making more changes based on feedback from customers to make even better so if there's anything you'd like us to add just 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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