Smile Financial institution prospects have been unable to entry their on-line banking accounts for 5 days in a row.
The net-only financial institution, owned by Co-Operative Financial institution, mentioned it was working urgently to resolve the issue.
However the newest service outage proved to be the “final straw” for longtime buyer Emma Hopkinson-Spark.
After 16 years, she left Smile Financial institution on Friday after she was unable to view an important re-mortgage cost.
“I am actually dissatisfied in Smile Financial institution,” Ms Hopkinson-Spark, chief of workers at a tech consultancy enterprise in Weston-super-Mare, advised the BBC. “The outages this week had been the tipping level.”
Ms Hopkinson-Spark mentioned she had not been capable of entry her on-line banking account for a number of days. Though she will be able to nonetheless withdraw cash from money machines and pay for objects utilizing her debit card, she can not ship funds or view her funds.
“Yesterday my husband rang me in a flap saying he was making an attempt to pay for groceries and did not have cash in his account,” she mentioned. “He wanted me to switch cash to his account and I could not.”
Her frustration got here to a head when her mortgage agency mentioned they’d despatched a cost of virtually £100,00zero to her present account, however she couldn’t see it there or do something with the funds.
She determined to shut her present account, money ISA and financial savings account with the financial institution and is transferring her funds to a unique financial institution.
Smile Financial institution, which has round 100,00zero prospects, has apologised for issues with its on-line banking and cellular app, however it was unable to offer the BBC with a purpose for the outage, or say when the issue could be fastened.
“We’re sorry that our Smile prospects have been unable to make use of our cellular app and on-line banking as they might often in latest days,” the corporate mentioned in a press release.
“We’re working onerous to revive their entry as quickly as doable and we apologise for any inconvenience triggered.
“Clients can use their playing cards and make transactions as regular and in the event that they want assist with their account they’ll name our customer support crew.”
‘We’re getting actually panicked’
Vicky Wevell, a self-employed editor in Nailsea, close to Bristol who has been with the financial institution for 20 years, mentioned Smile Financial institution’s cellular app had gone downhill lately, with outages for hours at a time.
Like different Smile Financial institution prospects who spoke to the BBC, she mentioned a scarcity of communication through the latest points had made her apprehensive concerning the security of her funds.
“I am actually offended truly and have been getting progressively angrier this week,” she mentioned. “It is much less to do with the outage and extra to do with their communication.”
She mentioned she was additionally on the verge of switching banks, as a result of she couldn’t see which invoices for work finished had been paid by her purchasers.
“How are we imagined to do any enterprise?” she mentioned. “[We’re] getting actually panicked, is our cash safe?”
Jackie Sensible, an workplace administrator in Aylesbury, mentioned it took days for the financial institution to place a discover up concerning the outage on its web site and communication stays troublesome.
“I am feeling pissed off and apprehensive as a result of I do not know what’s occurring. You may get by on the automated service to listen to your stability once you ring by, however it’s truly ready to talk to any person that takes a very long time,” she mentioned.
Arrange in 1999, Smile Financial institution was one of many earliest online-only banks. Its mother or father firm, Co-Operative Financial institution, is owned by various hedge funds, which final yr had been reportedly exploring a sale of the enterprise.
The BBC understands that the outage is brought on by a problem that’s solely affecting Smile Financial institution’s platforms, however not different manufacturers owned by Co-Operative Financial institution.
Smile Financial institution prospects have been suggested to name the financial institution in the event that they require help with their accounts on 03457 212212 throughout opening instances, that are: Monday-Friday 08:00-18:00 BST, and on weekends between 09:00-17:00 BST.
As name ready instances could fluctuate, the financial institution advised the BBC that prospects can even to contact Smile Financial institution’s Twitter and Fb accounts to make queries.