Their online banking is fairly primitive, but it does the job. One thing which I find particularly funny is that if you want to have a standing order which continues indefinitely, you have to put a value of 999 in the "number of payments" field. I would have thought having a tickbox which says "Continue payments indefinitely" would be better from a user perspective.
Their (Smile) online banking is "not bad for a financial institution", and if that sounds like damning with faint praise ...
Particular nits are:
- pressing the browser 'back' button triggers an immediate logout
- they don't use email for anything except to tell you they've sent you a "secure message" that you have to log in and read
- no data export (though there are greasemonkey scripts)
Their customer service I've found to be fine unless you want anything usual, complicated, or to be done in a timely fashion. Much like any large company, really
I've also found the customer service to be pretty good for the standard stuff but there is a blurry line between smile and The Co-operative Bank that confuses them.
For example, I can pay in a cheque or withdraw funds over the counter in a Coop Bank branch, but if I want to set up a foreign bank transfer I have to use the an online secure message. When I asked why I was told over and over "smile is an online bank". Which I suppose is true, up to a point.
