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I've also found the customer service to be pretty good for the standard stuff but there is a blurry line between smile and The Co-operative Bank that confuses them.

For example, I can pay in a cheque or withdraw funds over the counter in a Coop Bank branch, but if I want to set up a foreign bank transfer I have to use the an online secure message. When I asked why I was told over and over "smile is an online bank". Which I suppose is true, up to a point.

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Flying into LAX last year I had to do ESTA before I left, fill out 2 forms on the plane, and also give some of the same information to the airline when I checked in in London.

I don't really mind having to fill out some forms to get into a country, it's having to do the same thing 4 times that's annoying.

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