Banks and building societies A to Z
smile savings rates
6 accounts listed. The highest rate is 4.25% AER on the 1 Year Fixed Term Deposit (fixed for 1 year).
FSCS protection: up to £120,000 per person across everything you hold with The Co-operative Bank p.l.c., which also trades as The Co-operative Bank. Money in those counts towards the same limit.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Select Access Saver 5 | 3.28% | Easy access | £1 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| 1 Year Fixed Term DepositBeats inflation | 4.25% | Fixed for 1 year | £1,000 |
| 1 Year Fixed Rate Cash ISAISABeats inflation | 4.25% | Fixed for 1 year | £5,000 |
| 2 Year Fixed Term DepositBeats inflation | 4.25% | Fixed for 2 years | £1,000 |
| 2 Year Fixed Rate Cash ISAISABeats inflation | 4.25% | Fixed for 2 years | £5,000 |
| 3 Year Fixed Term DepositBeats inflation | 4.25% | Fixed for 3 years | £1,000 |
Compare smile with every other bank
Who holds the money
- Deposit-taker
- smile, a trading name of The Co-operative Bank p.l.c.
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 121885)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £1,270m at 31 December 2024 (latest published accounts).
- Website
- smile.co.uk. Every "Go to bank" link we show for smile leads only to this domain.
This page lists every smile account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.