Smile More Bank Account or Coop Privilege Bank Account FREE for a year if you sign up by 20/11/2010 (Offer open to new AND existing customers) Usually £13.00/month for Smile (i.e. save £156) and £9.50/month for Coop (i.e. save £114) - HotUKDeals
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Smile More Bank Account or Coop Privilege Bank Account FREE for a year if you sign up by 20/11/2010 (Offer open to new AND existing customers) Usually £13.00/month for Smile (i.e. save £156) and £9.50/month for Coop (i.e. save £114)

£0.00 @ smile
Both premium accounts have been made FREE for a year if you take up offer by 20/11/2010. FREE travel insurance, FREE breakdown cover and FREE mobile phone, camera and iPod insurance for a year! P… Read More
KingCampo Avatar
6y, 8m agoFound 6 years, 8 months ago
Both premium accounts have been made FREE for a year if you take up offer by 20/11/2010.

FREE travel insurance, FREE breakdown cover and FREE mobile phone, camera and iPod insurance for a year! Plus lots of other stuff...

Smile More gets you FREE for a year:

# The Co-operative worldwide annual family travel insurance (worth £142.50)
# Worldwide insurance for a digital camera, camcorder and three ipods (worth £179.98)
# The Co-operative mobile phone insurance (worth £166.80)
# The Co-operative UK & European breakdown assistance (worth £211.44)
# Automatic £500 fee-free overdraft (first £260 is interest free)
# Exclusive lifetime tracker mortgage
# smilemore smartsave card - get 20% off entry to over 200 attractions
# Savings at better rates
# Preferential rates on our credit cards
# FREE legal advice helpline with The Co-operative Legal Services
# 20% off your first year’s home insurance provided by The Co-operative Insurance

Coop Privilege gets you similar stuff.
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#1
Main link goes to smile. Here's the Coop Privilege link:

Clicky
#2
Excellent deal...... I've been with Smile for years.... excellent customer service.
#3
i like this , costs me 25£ pm @ lloydstsb
#4
Just to say that Smile treats students really badly. I am no longer student, but when I graduated five years ago, I had two student bank accounts. One of them had money, Smile, the other one, was over drawn.

As is common practice, the other bank (highstreet) wrote to me saying that they were reducing the interest free overdraft by £500 a year so that I have a chance to pay it off without interest charges.

Smile on the other hand wrote to me giving me one month notice that I was going to start being charged on my overdraft. Fortunately, I had the money so I paid it off and closed my account. But if I didn't I would have been in trouble. Terrible behaviour and one that is not typical banks.

Do as you will with this offer but do not believe their ethical, caring branding.
#5
very interesting holmes .... gonna have to look into this as there are some real nice tempters there
#6
pay in £800 per month min

Offer rules

Offer is available to new and existing customers who open, upgrade, or currently hold a smilemore account
To qualify for the offer customers must:
Credit a minimum of £800 per month into the account.
Use the dedicated switching service to successfully transfer their Direct Debits and standing orders
Switching form must be completed and received between 22nd September and 31st December 2010
Subscription free offer runs for 12 consecutive months only and starts from the date we receive your switching form
If there are no Direct Debits to transfer the offer is unavailable
Only one account is eligible for the offer per customer or joint account relationship
Transfer of Direct Debits must be from another provider (not a smile or Co-operative Bank account)
Refund applies only to the subscription fee on the above stated accounts
Refund of the subscription fee will take place on the first working day of the month provided the switching form has been received and a minimum of £800 has been credited to the account in the previous month. The subscription fee will be taken and then refunded the same day. A monthly subscription fee will be charged until the switching form has been received and a minimum of £800 is credited
If a minimum of £800 is not credited in the previous month, there will be no refund
Limited offer available until 20th November 2010. We may withdraw or extend the offer at any time
Not to be used in conjunction with any other offer
#7
I've been a smile customer for many years and always been very happy with the service. And I've always supported the bank's ethical stance.

I've never paid for smilemore though as it's not good value for money if you already have some of the things it offers. But free for a year is a no-brainer!!
#8
I too bank with Smile and agree with KingCampo's sentiments. But as a cynic (even with Smile) I also wonder how easy it is to stop once the year is up .... because I've never found the benefits offered to justify the normal cost either. However, it still seems a no-brainer .......except for the rules supplied above

"If there are no Direct Debits to transfer the offer is unavailable ......... Transfer of Direct Debits must be from another provider (not a smile or Co-operative Bank account)"

This seems to suggest that it's only open to existing customers who have got another account with a rival bank and also have DDs set up on the other account. I'd say this will be very few people and I'm not one of them :(
#9
hot! tempted by offer but dont wanna switch account from natwest as i have had great service there. hot anyway!
#10
Really does seem like a good deal. Hot!
#11
So if I had another account with santander, for example, and quickly set up a minor direct debit over the next few days... then switched this direct debit over to Smile/Co-op and set up a direct debit to transfer over £800 a month to the account (then another direct debit to send £800 back to the original account (_;) ) this would cover there rules and I'd get all the freebies?!?

Sounds easy enough! I'm already using Santander in this way (£500 instead of £800 each month) to get free travel insurance so might as well take this one up and get loads more benefits!!
#12
smile customers please help me:
is it the same with other online banks: ie.
u cant use the branches so u deposit electronically or thru post office taking days to deposit
u withdraw thru ATM , pay for cash to be delivered or electronic transfer

so the convenience of branches is lost OR do you use cooperative branches if u are near them
#13
also as a fail safe dont keep more than £50,000 in any one bank (50,000 for each banking licence) just incase they go bankrupt. Info for anyone forgetting the lovely icesave online bank great customer service they had !
#14
effingandjeffing
smile customers please help me:
is it the same with other online banks: ie.
u cant use the branches so u deposit electronically or thru post office taking days to deposit
u withdraw thru ATM , pay for cash to be delivered or electronic transfer

so the convenience of branches is lost OR do you use cooperative branches if u are near them


Bit of both, yes to all the above, just use the co-op branches as they are the same bank.

Read this bit in the T+C 'If there are no Direct Debits to transfer the offer is unavailable' as an existing customer that doesn't need to transfer a DD does this mean that the offer is unavailable to me?


Edited By: kip02 on Sep 26, 2010 23:57: .
#15
davesherman
So if I had another account with santander, for example, and quickly set up a minor direct debit over the next few days... then switched this direct debit over to Smile/Co-op and set up a direct debit to transfer over £800 a month to the account (then another direct debit to send £800 back to the original account (_;) ) this would cover there rules and I'd get all the freebies?!?

Sounds easy enough! I'm already using Santander in this way (£500 instead of £800 each month) to get free travel insurance so might as well take this one up and get loads more benefits!!


Also is it important to close bank account after transfering all DD?
#16
Hot. The traveller option gives you 4 x airport lounge pass
#17
See my comment above - that's my take on it ..... unless you want to try the jiggerypokery that davesherman suggests (but I think you'd be hard pressed to get everything in place before this deal expires)

Also, note that each month's subscription is taken from your account and then paid back if you pass all the conditions. So if you don't, you'll be out £13 a month until you can cancel the account (and can you revert to a standard Smile account?)

This looks like a fishing expedition to get new Smilemore customers to me..... which is, of course, what it is!! If a thing seems too good to be true - it probably is :(
#18
between the 2 of us weve ruined this ok deal and turned it on its head as a apple scam!
macliam
See my comment above - that's my take on it ..... unless you want to try the jiggerypokery that davesherman suggests (but I think you'd be hard pressed to get everything in place before this deal expires)

Also, note that each month's subscription is taken from your account and then paid back if you pass all the conditions. So if you don't, you'll be out £13 a month until you can cancel the account (and can you revert to a standard Smile account?)

This looks like a fishing expedition to get new Smilemore customers to me..... which is, of course, what it is!! If a thing seems too good to be true - it probably is :(
#19
If there are no co-op banks near you, how do you pay in cheques? Via post? Or can you scan them and e-mail them?
banned#20
Would have went for this as it costs £12.99 to insure my iphone per month, but the £800 a month puts me off. Good for those who manage their finances strictly.
#21
can you not set a direct debit to pay it in every month?
#22
ReflexReact
If there are no co-op banks near you, how do you pay in cheques? Via post? Or can you scan them and e-mail them?


Scan cheques in and email them never heard of this ?
#23
ReflexReact
If there are no co-op banks near you, how do you pay in cheques? Via post? Or can you scan them and e-mail them?


You can play them in by post or at the post office, you're provided envelopes for both. You might be able to pay in at Co-operative branches, though as there's none local to me i've never tried.
#24
ReflexReact
If there are no co-op banks near you, how do you pay in cheques? Via post? Or can you scan them and e-mail them?


People still pay you by cheque?
#25
Smile are good for customer sevice, and you can use the post office to pay in cheques with an envelope system.

It is £13 a month for Smilemore atm, and only good for existing who can upgrade from standard Smile current to Smilemore.

Even though they are good and have been our bank for a long time, current doing a transfer to Santander £100 back + £35 quidco. The travel insurance with Smile is no good for us now, used to be able to add on to have extended holidays but now a 30 day limit. :)
#26
nolan89
can you not set a direct debit to pay it in every month?

That wouldn't be a DD, it'd be a recurring credit.

A DD is a specific thing with its own rules and method of set-up, a person would not have the necessary arrangements to set one up.

To make use of a 'dead' account, you'd need to move an existing DD to that dead account (making sure you put funds in there to cover it) and then do the switching service to move that DD to Smile.

I think that is quick and easy enough to do, you just phone one of your payees and ask them to change the DD over to the dead account.

I think I once had a Smile account, so I wonder if I will still be seen as an account holder (I forget how long ago it was, and wonder if they auto-closed it after 12 months inactivity)
#27
One thing to note is not to jump into this offer until you are ready to switch your DD's, as you could open it today and switch by Dec 31st, and therefore pay the £13 a month UNTIL you submit the switching form.

One question about the switch is, does it say something like "Hello other bank, I am switching to Smile, please move my DD's and close my account".

I don't mind playing the game to get the free benefits, but cannot actually afford to close the account that I will move a DD into (as it is used, it just has no DD's).
#28
The switching service will complete a transfer of all DDs that are currently setup on your current account now. If you opt for it the account can also provide a £1000 free overdraft buffer for 30 days while the transfer is going through to allow for any mishaps from either end.

The account is also available to open via Britannia branches as in 2009 The Cooperative Bank merged with Britannia. Therefore if you havent got a Coop Bank branch near you, you may have a Britannia branch.
#29
Likewise the transfer will not close the existing account but just transfer any DD or SOs from it.
#30
Interesting offer. Our main/joint A/C is Smile but I have a pocket-money account with First Direct. Should be easy to set up a small DD at First Direct and then transfer it over. Means I can cancel my breakdown cover and won't need travel insurance next year.

Any body seen any details of how you cancel Smilemore before the 12 months is up?
#31
inicholson
Interesting offer. Our main/joint A/C is Smile but I have a pocket-money account with First Direct. Should be easy to set up a small DD at First Direct and then transfer it over. Means I can cancel my breakdown cover and won't need travel insurance next year.Any body seen any details of how you cancel Smilemore before the 12 months is up?

I'm not sure you can setup a direct debit? You can set up a standing order but this may not be good enough to meet the conditions?
#32
e.g lloydstsb and halifax are the same parent company but 2 banking licences, but the old abbey allience&leicester, cahoot and bradford&bingley all ONE licence
guv
effingandjeffing
also as a fail safe dont keep more than £50,000 in any one bank (50,000 for each banking licence) just incase they go bankrupt. Info for anyone forgetting the lovely icesave online bank great customer service they had !


Is it possible to open more than one account with them, or is it best to use many different banks?

Seems like good deal. Look after the pennies and the pounds look after themselves.
#33
after how the banks treat us as of late id be very cautios of anything there offering.
#34
Whats the difference between the smile and coop deal ? is it just the roadside recovery ?
For those not wanting to switch all direct debits, open a basic halifax account online and ring a couple of you dds over to it then switch the halifax account to smile you have until 31st December should be enough time.

Just had a look at my credit cards online and I can change the direct debits online, plus I also already have a basic Halifax account so am already one step ahead. I'm just going to change my credit card DD's over and leave the rest at Santender

Edited By: Couchwarrior on Sep 27, 2010 11:06: more info
#35
inicholson
Interesting offer. Our main/joint A/C is Smile but I have a pocket-money account with First Direct. Should be easy to set up a small DD at First Direct and then transfer it over. Means I can cancel my breakdown cover and won't need travel insurance next year.

Any body seen any details of how you cancel Smilemore before the 12 months is up?


You can just give them a call to downgrade smilemore account to a standard current account. It's effective one working day the day after you do that (your insurances cease immediately). They confirmed by secure message and I'll get a letter. I did just this a couple of hours ago - painless process.

There's no 12 month contract - it's monthly and paid on the 1st of the next month.

0870 THEBANK or use saynoto0870

I've downgraded to the standard acocunt so I can make my account joint (for the free lounge passes) and set pick an account to move.
#36
LOL I got refused anyway due to credit scoring, I have 3 bank accounts and 5 credit cards, obviously not good enough for Coop though
#37
Can anybody tell me:-

1. Are any fees charged for using ATM's either in UK or abroad?

2. Is the exchange conversion rate loaded or at the prevailing wholesale rate?

3. Are Joint acconts available?

4. Can Electronic Savings accounts be set up with immediate transfers either way from home Computers?

Thanks

SammyB
#38
Changing your Sky TV direct debit is also an easy one to do online.

Edited By: fossman on Sep 27, 2010 13:16: IGNORE
#39
RichLeck
Can anybody tell me:-1. Are any fees charged for using ATM's either in UK or abroad?2. Is the exchange conversion rate loaded or at the prevailing wholesale rate? 3. Are Joint acconts available?4. Can Electronic Savings accounts be set up with immediate transfers either way from home Computers?ThanksSammyB

1 - no for UK (unless the machine provider charges), yes for abroad.

2 - Wholesale rate + a fee.

3 - Joint accounts are available.

4 - Savings accounts are available, transfer can be made into/out of, and can be done from any computer you like.

I've been with smile for years so have dealt with all the above. The smile website also contains all the answers and more if you care to visit.
#40
effingandjeffing
e.g lloydstsb and halifax are the same parent company but 2 banking licences, but the old abbey allience&leicester, cahoot and bradford&bingley all ONE licence
guv
effingandjeffing
also as a fail safe dont keep more than £50,000 in any one bank (50,000 for each banking licence) just incase they go bankrupt. Info for anyone forgetting the lovely icesave online bank great customer service they had !


Is it possible to open more than one account with them, or is it best to use many different banks?

Seems like good deal. Look after the pennies and the pounds look after themselves.


IT SHOULD BE NOTED THAT THE BANK GUARANTEE WILL INCREASE TO 100,000 EUROS FROM THE 1ST JANUARY 2011

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