Smile Current Account
Full product details for the Smile Current Account, including application criteria, incentives, facilities, overdraft, rates and fee & charges.
 |  Compare Smile current account details against other current accounts or use our current account comparison tables.Did you know Smile also provide credit cards, savings, travel insurance and breakdown cover? | ||
| Company: | Smile www.smile.co.uk | Smile www.smile.co.uk | Smile www.smile.co.uk |
| Product: | Smilemore (Safeguard) | Smilemore (Traveller) | Current Account |
| details | details | details | |
| Apply via this site: | Not available | Not available | Not available |
| | | |
| Application Criteria | |||
 Minimum income: | £0 | £0 | £0 |
| Minimum Monthly Credit: | £0 | £0 | £0 |
| Minimum Investment: | £0 | £0 | £0 |
| Maximum Investment: | Unlimited | Unlimited | Unlimited |
| Minimum Age: | 18 | 18 | 18 |
| Maximum Age: | Unlimited | Unlimited | Unlimited |
| Existing Customer Only: | no | no | no |
| Area Restrictions: | none | none | none |
| Transfer Assistance: | yes | yes | yes |
| Incentives | |||
| Account Promotions: | yes | yes | yes |
| Incentive Cashback £: | £0 | £0 | £0 |
| Incentive Moneyback: | no | no | no |
| Incentive Pref Rate/Deals: | yes | yes | yes |
| Incentive Disc/Vouchers: | yes | yes | no |
| Incentive Breakdown: | yes | yes | no |
| Incentive Protection: | no | no | no |
| Incentive Other Insurance: | yes | no | no |
| Incentive Savings Sweep: | no | no | no |
| Incentive Currency: | yes | yes | no |
| Incentive Other: | yes | yes | no |
| Facilities | |||
| Internet Banking: | yes | yes | yes |
| Branch Banking: | no | no | no |
| Telephone Banking: | no | no | no |
| Post Office Banking: | yes | yes | yes |
| Standing Orders: | yes | yes | yes |
| Direct Debits: | yes | yes | yes |
| BACS Transfers: | yes | yes | yes |
| CHAPS Transfers: | yes | yes | yes |
| Bill Payment Service: | yes | yes | yes |
| Statement Frequency: | monthly | monthly | monthly |
| Min Additional Deposit: | Unlimited | Unlimited | Unlimited |
| Minimum Withdrawal: | Unlimited | Unlimited | Unlimited |
| Withdrawal Restrictions: | none | none | none |
| ATM Card: | yes | yes | yes |
| ATM Mini Statements: | yes | yes | yes |
| Max ATM Withdrawal: | £250 | £250 | £250 |
| Cheque Book: | yes | yes | yes |
| Cheque Guarantee Card: | £100 | £100 | £100 |
| Cheque Clearance Time: | 3 | 3 | 3 |
| Debit Card: | yes | yes | yes |
| Debit Card Type: | Visa | Visa | Visa |
| Passbook: | no | no | no |
| Text Messaging Events: | no | no | no |
| Text Mini Statements: | no | no | no |
| Travel Ins Winter Sport: | yes | yes | no |
| Overdraft | |||
| Overdraft Facility: | yes | yes | yes |
| Interest Free O/D Limit: | £260 | £260 | £0 |
| Automatic O/D Facility: | £500 | £500 | £500 |
| Overdraft Buffer Limit: | £0 | £0 | £0 |
| Overdraft Arrangement Fee: | yes | yes | no |
| Auth O/D Rate-APR/EAR: | 11.9% | 11.9% | 15.9% |
| Mthly Auth O/D Charge: | £0 | £0 | £0 |
| Unauth O/D Rate-APR/EAR: | 15.9% | 15.9% | 15.9% |
| Mthly Unauth O/D Charge: | £20 | £20 | £20 |
| Overdraft Letter Charge: | £0 | £0 | £0 |
| Rates | |||
| Headline Interest Rate: | 1.76% | 1.76% | 1.76% |
| Rate Guarantee: | no | no | no |
| Introductory Bonus: | 0% | 0% | 0% |
| Amount of Bonus: | 0% | 0% | 0% |
| Open-ended Bonus: | 0% | 0% | 0% |
| Non Standard Tiers: | no | no | no |
| Gross AER - £1/£50: | 1.76% | 1.76% | 1.76% |
| Gross AER - £500: | 1.76% | 1.76% | 1.76% |
| Gross AER - £1,000: | 1.76% | 1.76% | 1.76% |
| Gross AER - £2,500: | 1.76% | 1.76% | 1.76% |
| Gross AER - £5,000: | 1.76% | 1.76% | 1.76% |
| Gross AER - £10,000: | 1.76% | 1.76% | 1.76% |
| Gross AER - £25,000: | 1.76% | 1.76% | 1.76% |
| Gross AER - £50,000: | 1.76% | 1.76% | 1.76% |
| Gross AER - £100,000: | 1.76% | 1.76% | 1.76% |
| Interest Payment Freq: | monthly | monthly | monthly |
| Interest on Withdrawal: | same day | same day | same day |
| Int Added to Account: | yes | yes | yes |
| Interest Paid by Cheque: | no | no | no |
| Int Paid to Bank A/c: | no | no | no |
| Int Paid to Other A/c: | no | no | no |
| Int After Cash Deposit: | same day | same day | same day |
| Int After Cheq Deposit: | 3 working days | 3 working days | 3 working days |
| Int After BACS Deposit: | same day | same day | same day |
| Interest Variant: | no | no | no |
| Max Balance High Interest: | Unlimited | Unlimited | Unlimited |
| Fee & Charges | |||
| Free Banking: | no | no | yes |
| Monthly Charge: | £12 | £12 | £0 |
| Standing Order Charge: | £0 | £0 | £0 |
| S/O Setting Up Charge: | £0 | £0 | £0 |
| S/O Amendment Charge: | £0 | £0 | £0 |
| S/O Cancellation Charge: | £0 | £0 | £0 |
| Unpaid S/O Charge: | £30 | £30 | £30 |
| Direct Debit Charge: | £0 | £0 | £0 |
| Debit card charge Europe: | 0% | 0% | 0% |
| D/D Setting Up Charge: | £0 | £0 | £0 |
| D/D Amendment Charge: | £0 | £0 | £0 |
| D/D Cancellation Charge: | £0 | £0 | £0 |
| Unpaid D/D Charge: | £30 | £30 | £30 |
| CHAPS Charge: | £25 | £25 | £25 |
| Stopped Cheque Charge: | £10 | £10 | £10 |
| Unpaid Cheque Charge: | £30 | £30 | £30 |
| Transaction Charge: | 0 | 0 | 0 |
| Unauth Transaction Fee: | £20 per day | £20 per day | £20 per day |
| ATM Withdrawal Charge: | £0 | £0 | £0 |
| ATM charge Europe: | 0% | 0% | 0% |
| A/c Transfers Int. Free: | no | no | no |
| Bankers Draft Charge: | £10 | £10 | £10 |
| Copy Cheque Charge: | £10 | £10 | £10 |
| Duplicate Stat Charge: | £2.50 | £2.50 | £2.50 |
| Special Clearance Charge: | £10 | £10 | £10 |
| Forex fee % Europe: | 2.75% | 2.75% | 2.75% |
| Other Charges: | yes | yes | yes |
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