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Smile Current Account - Smile is part of the of The Co-operative Financial Services (CFS) family. They offer a current account which is managed online and provide 24 hour support by e-mail or phone from their UK call centre. Smile have been voted Best Online Banking Provider by Your Money magazine for five years in a row (2002 - 2006). Features include a competitive rate of interest on any balances and a £500 fee free overdraft facility.