Smile Internet Bank is one of the first UK’s online banks. It is part of co-operative financial services family. It provides online banking service to their customer for saving time and money. Here is provided full user guideline of Smile online bank.
The first British internet bank Smile was established in 1999. Smile was the first to offer full service current accounts, savings, ISAs, investments and credit cards. Smile bank head offices are located in the king’s valley pyramid building in Stockport. The co-operative bank manages a moral banking policy, screening potential business customers against its standards, such as links with tobacco, the arms trade, and animal testing of cosmetics. It is the first UK online bank to be credited with the ISO27001 Information Security certification.
Smile Internet banking products
- Current Accounts
- Credit Cards
- Student Accounts
- Childrens trust fun
- Share dealing
- Loans
- Credit cards
- Mortgages
- ISA’s
- Savings Accounts including no-notice and fixed term deposit
Smile Internet Banking
Using smile internet banking, you can save lot of time and money. To get started, First Float over the account login button at the top left hand side of the home page. Floating exposes a drop down menu-just click on “Bank login”.
Before you can access your account you require passing a number of security checks. First enter wither your 6-digit sort code and 8-digit smile account number or your 16 digit credit card number.
Next select the 2 requested digit of your 4-digit security code from the drop down menu. This code will be different to PIN number you use for your card. And reach at smile internet banking page. When you reach at online banking page, you will get banking service tool like pay bills, standing orders, money transfers, secure messages, direct debits, customer service at left side.
Benefit of Smile Internet Banking
- Online accounts management – view statements and make transfers.
- All the convenience of banking online combined with 24 hour support by e-mail and phone.
- An ethical investment policy.
- Current accounts, loans, savings and investments, all online.
How to operate smile internet banking service after login?
After login you can pay bills, transfer money, view statement of your transaction and etc. Smile bank Customer gets your most recent transactions and view also previous account statements-just click on ‘previous statements.
Pay bills: For bill payment, select the account you had like the money to be taken out of, and then click “Create”. Next select bill type and then click ‘ok’. Fill up all the boxes, making sure you check the detail with recipient first. You can set up a bill to be paid in the future, simply change the date, and then click ‘ok’. You will be asked to click ‘ok’ to confirm that the deals are correct. If you have made a mistake, then you can go back and adjust them and that’s it your new bill payment is set up. Next time you visit the “Pay bills” section, you will be able to view the payment you just set up and amend it-so, if your next bill is a different amount, simply amend the payment details then click ‘ok’.
Standing orders: Standing orders are payments that come out of your account regularly thing like the rent or payments to savings accounts. Setting one up is similar to setting up a bill payment, so we will show you how to cancel one. All you need to do is select the standing order you want to delete. Click on “cancel” and then “ok”. The cancellation will be acknowledged.
Money transfers: You can make one off transfers between accounts you hold with smile as well as transfer money to other bank accounts. Creating new transfer is easy and similar to bill payment. For transfer money, simply click on previous transfer recipient you had like to send money and fill all boxes and click ‘ok’.
Secure messages: Use secures message service to ask question about your account. To write new message, click on send select related subject and then either your messages in the box, safe in the knowledge that it is for our eyes only when you have finished, click ok to send it. You can also receive secure message from the smile. When you get new mail, the secure messages link will flash you log into your accounts. To read the message, simply click on it.
Direct Debits: Direct debit service is always set up by the company receiving money from you so you can not create them-but you can cancel them. Just click on the payment you want to cancel, and then click “ok”.
Contact Details of smile bank
Delf House
Skelmersdale
Lancashire
WN8 6GF
PO Box 600
Tel: 0870 843 2265
Report your card lost or stolen: 0845 600 6000
Source : www.smile.co.uk
