Stop leaving money behind.
Pay by Bank with Smyl. The money goes straight to the shop, and you earn points worth money off next time.
Points come only with Pay by Bank at Smyl shops: 1 point for every whole £1. Right now 100 points are worth £1. Daily limits apply. Points rules
Three steps at the till.
No card and no top-ups. You approve each payment in your own bank’s app, and the shop usually has the money within seconds.
Your Smyl points
258 points, worth £2.58 off
Scan
Scan the code at the counter with Smyl.
Approve
Your banking app opens. Approve it the way you approve any payment.
Earn
Points and your receipt land in Smyl straight away.
Examples from the app.
Then take money off.
You pay by bank
£18.60
Example. At least £1 of every sale is still paid by bank.
Find who near you has it.
Search in the words you use at home. Smyl shows the nearest shops that stock it, how far each one is, and when the shop last checked.
Good to know
Where does my money go?
Straight from your bank to the shop’s bank, over Faster Payments. Smyl is never in the middle, and nobody sees your bank login.
What are points worth?
Right now 100 points are worth £1. The value can change, and checkout always shows what yours are worth before you approve.
What earns points?
Paying with Pay by Bank at a Smyl shop: 1 point for every whole £1. Cash and card don’t earn points, there’s a daily limit, and points have no cash value. Points rules
Do points expire?
Points expire if you don’t earn or spend any for 12 months. Earning or spending any points starts the 12 months again. The 12 months pause while points can’t be spent anywhere on Smyl. We’ll remind you at least 30 days before.
Straight from your bank to the shop’s bank, over Faster Payments. Smyl is never in the middle, and nobody sees your bank login.
Earn at your next shop.
Smyl is free, on iPhone and Android.
Run a shop? Smyl for businesses
