Smile

Smile is the telephone/internet-only banking arm of the Co-operative Bank. View and manage your current, savings (including cash-ISA), personal loan, credit card and mortgage accounts online.

Choose from two current accounts, the Smilemore version gives you, inter-alia, worldwide family travel insurance, Green Flag Roadside breakdown cover, discounts on brochure holidays and 'ethical extras'.

Products are generally competitive, with an ultra-cheap credit card. We can't fault the functionality and navigation is a doddle.