Smile Current Account:

"Of course, we think our current account is the best around and other people agree. We've twice been voted "best online current account" by Guardian and Money Observer readers.

Here's what smile customers enjoy:

- 3.04% AER, that's over 30 times more interest than some other banks pay

- £500 fee-free overdraft, at only 9.9% EAR

- special rates on our savings account and cash mini ISA

- all the convenience of banking online but with 24 hour support via e-mail or the telephone

- we have a strict Ethical Policy, which means your money will never be invested in unethical organisations

- we'll switch your old current account for you - hassle free. It usually takes just 14 days.

We pay 3.04% on our current account, Your Money voted us Best Internet Banking Provider 4 years in a row, 9 out of 10 customers recommend us and we’re the only ethical online bank.

Apply now."

If you have been tempted by this, here's the link: