Smartaccount 

Shockingly bad .The people in the post offcie cannot access anything in your account .They are no help and its like you are annoying them when you asking about your bank account they can only give you a mini statement .I have not been able to access my online banking for over a year .Customer servie is the worst I have came across .Keep away buyer beware. warned .

This has to be the most poorly designed app on Google Play. As a banking app it's a bad joke. Lodged 200 to account today, made a payment of 110 and now balance showing €26. How can that even happen? When I check the statements page there's nothing listed there at all. Can't make payments from Android app as the interface text can't be minimised to put in payment frequency or reference number. If AnPost want to act as a professional bank they should at least hire a competent developer. Their app looks and functions like it was designed by a kid learning programming.

Pathetic service and product. Getting a replacement credit card has taken 14 days so far along with many calls and messages. The customer service reps are clueless to say the best. Whilst checking via a message yesterday re the status of my missing card I received an email requesting my security details by return. Bird brained product with the most limited of service.

Bad idea, very bad idea, bad customer service and their Reps attitude

Stay away from this account like the plague.Run by a class of national school girls

I find the account good but there is so many things you cannot do online,you have to call them for every problem. I love the money back, I use it as I shop in Lidl all the time. It is actually giving me money to use them but from the beginning I can't use my card online. I can't register my card for online payments, I called them 4 times but the issue is still there. Other than that I am satisfied with them.

Had money taken from my account over 150 euros in November 2018, reported this to their fraud department, they sent me out a new card quickly, but I have been trying to get my money back now for over 6 months but have been unable to do so, every time I ring which I once a week or keep getting fobbed off by the coustomer services, excuses after excuses, yes it will be refunded to day and we will send you an email to confirm this, but never once in the 6 months I have been trying to get a refund have one received an email from them, I have now sent three different forms to there office on London two of them by registered post but they still haven't sorted it out,
In my opinion you would be crazy to even consider opening one of these accounts, totally useless coustomer service treat you as if you are stupid and hope that you get fed contacting theme and give up on getting your hard earned money back.

Absolutely totally and utterly useless.
If you have an issue about missing money, they customer service team will EMAIL another department and you must wait for their reply.

They are cowboys, not a bank.

Honestly never ever experienced anything like these.

AVOID

Totally bad customer service. I`ve made a top up and to my prepaid phone. I checked with eir they have checked in their system and confirmed there was no money in.
I`ve called 4 times to Smartaccount , mysteriously communication was cut 3 times at the 4th time I got an answer that I have to make a complain written to them XD .
Another case is that their system is often down , so if you are lucky you would be able to check your account :D .
This bank is clearly very very very bad managed.

At the end they took my money and I don`t know where to complain anymore.

We cannot say that this is a bank XD

I opened my Smart Account with An Post for numerous reasons. Mainly to support the network of Post offices and help keep the services in my locality & I have an inate mistrust of Banks in general.
Initially all went well. Staff were helpful, card and details followed promptly. However since then I have had nothing but problems. There computer system is quite frankly a joke. I am continuously missing transactions for periods of up to a full month. I have been unable to make payments. I now find I have to micro manage the account. The customer service is very impersonal and quite frankly not very helpful. They trot out the usual lines that "we are experiencing technical difficulties", "please contact via phone" etc. These issues have been recurring for quite a while and there appears to be no resolution coming from Smart Account.
I would advise anyone considering switching or opening an account, hold fire for now as they do not seem capable of resolving these issues. I have never experienced the amount of problems I am having here with any other website, let alone a banking service.

Update 14/11/18 - Anyone thinking of opening a Smart Account, don't....turn around and run away very very fast and do not look back. Trying to take money from me for a lodgement they are claiming didn't happen despite strong evidence to the contrary. Their computer system, their employees and management are not fit for purpose. FSPO here I come!!!