Smile is a bank that's open, ethical and genuinely modern. One that keeps its promises and delivers lasting benefits instead of gimmicks just to get you on board. Where you always know where you stand, with no nasty hidden surprises. One you can trust to say what it means and do what it says.

Smile is obsessed with giving you the best sustainable deal. Saving, borrowing or just managing your day-to-day finances, you'll find our rates more than competitive - and unlike some banks, Smile won't change the minute your back is turned. No cynical promotions. No hidden charges or restrictions. No bull.

Smile will always be straight with you. About Smile's charges. About any changes Smile have in the pipeline. About sorting out any problems. About explaining money matters that affect you.

Why? Because Smile want to build a business we can be proud of. Smile wants its family and friends to know Smile work for the best online bank in the world - the best because our customers say so.

How can Smile say this when the other banks are trying to find ways to make more and more money? Simple. Because unlike them, Smile are not quoted on the Stock Exchange - Smile is part of the Co-operative Movement.