I'm impressed with the concept of a bank touting its goal of being up front, honest and ethical. Smile is an internet bank owned by The Co-operative Bank of the United Kingdom.

Too many banks flip their rates around or make changes on a too regular basis such that customers cannot keep up with the latest rates and fees. They attempt to offer lower rates by retaining the ownership of their bank privately as opposed to listing on an exchange where fluctuations in stock prices might subject them to more frequent price changes. So if you are in the United Kindom, the Channell Islands or the Isle of Man, this could be a good option to consider, online banking with Smile.

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