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  • Co-op & Smile.

    Smile's customer service is a bit patchy, probably because they're there for autonomous internet banking. My wife gave up trying to open up an account a few years back (with a free loads of wine offer thingy), and it can be slow to get a response from the online enquiry service (within your a/c options).

    But for 'fit and forget' everyday online banking, they're great. And the queues in Co-op always seem shorter than in other banks.

    In the past, my wife and I've had experience of Barclays, Lloyds, HSBC & Natwest; and they were all routinely fuckwitted and unpleasant in equal measure.

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