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Current Account

How to switch

Apply for your account

If you don't already have a smile current account, you'll need to apply for one first.


smile current account

  • No monthly fee
  • 24/7 UK-based call centres
  • Safe and secure online banking and mobile app
  • £500 overdraft (debit interest of 18.9% per annum is charged on the total overdrawn balance).

Applicants must be UK residents over 18 years old with a gross annual income of at least £6,000. Subject to status.

Representative example: The advance of credit of £500 at an interest rate of 18.9% EAR* variable.

Apply Now

After you've opened an account

Pick your switch date

Once your account is open, just call us on 03457 212 212 (call charges apply), or visit us in branch to complete the switch request.


We will ask you to choose a switch date which is when you would like the switch to be finalised. The switch date can be as little as 7 days after you ring up to switch.

Our dedicated switching team will manage the switch of all your Direct Debits, standing orders, bill payments and your salary.

On your switch date

Your old bank will honour any payments due that day; they'll then cancel all regular payments and close the account. If there's any remaining money in your old account, your old bank will transfer that to your new account too.

For the next 36 months we'll make sure any payments accidentally made to or from your old account are automatically redirected to your new account.

Helping you decide: important information

Before you apply for an account, you need to be sure it's the right one for you. The following documents supply important product and legal information you need to make a decision.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee:

  • The service is free to use and you can choose and agree your switch date with us
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary)
  • If you have money in your old account, we will transfer it to your new account on your switch date
  • For 36 months, we will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details
  • If there are any issues in making the switch, we will contact you before your switch date
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure

For more information go to

  • Crystal Mark
  • Current Account - Switch Guarantee
The Co-operative Bank reserves the right to decline any application.
Credit facilities are provided by The Co-operative Bank are subject to status and our lending policy.
*EAR - (Equivalent Annual Rate) The equivalent to paying and compounding debit interest over a whole year.

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. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.