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smile - the internet bank

0
Quality Score
Niche

smile - the internet bank

Low confidence
✍️ Editor
✍️ bumetric analysis

smile - the internet bank is an Android app from The Co-operative Bank UK in the Finance category, currently rated across few ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.

Quality Score is 0: Niche (micro-niche or pre-traction stage). For a Finance app, that means micro-niche or pre-traction stage. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.

Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.

💰 Monthly revenue · now vs forecast
● Right now
$200
per month
12-mo forecast
$100 – $931
per month
24-mo forecast
$100 – $2790
per month
MICRO tier
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📊 Performance Tracking LIVE

Loading…
idle
0%
Rating
Reviews
Forecast Revenue / mo
Snapshots tracked
0
since first record
ONE-TIME · BUILD 💰 Estimated build cost
$125K
What it cost to build · not monthly revenue
Likely range $95K – $170K
$25K · MVP floor $100K · indie scale $500K+ · studio build
📈 Slow ROI — current MRR is well below build cost

Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.

Where the money goes
🧱 MVP baseline (design + 1-store ship) +$28K
📱 5 unique screens × $4.5K +$22K
Finance complexity ×1.60 +$30K
🌐 Cross-platform reach (iOS + Android) +$44K
Total estimate $125K
🛠 Estimated tech stack
🤖
Native Android (Kotlin)
High confidence · 80%
Also possible
Flutter

Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.

Signals we read
🏷 Category context Finance
📦 Compact Android bundle → Native Kotlin
🔬

How we forecast this revenue

LOW CONFIDENCE
Baseline
$200/mo · ML-estimated from 234 triggers
Growth rate
+8.0% MoM · MICRO tier baseline (compound monthly)
Direction
Headwinds: rating drift may slow acquisition
6 months
$127 – $508
12 months
$100 – $931
24 months
$100 – $2.8K
Compound growth at +8.0% MoM (tier baseline for MICRO). Range widens with horizon — typical noise band ±60% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊

BU Investment Matrix

Insufficient data · 32/100MICRO TIERtoo early to score
RevenueQualityMarketGrowthMoatSafetyFounderMonetiz.
Revenue Strength
2.3
Product Quality
0.0
Market Position
0.0
Growth Velocity
5.0
Defensibility
3.5
Operational Safety
10.0
Founder Strength
4.1
Monetization Maturity
1.0
  • 💰 Revenue: Marginal — $0 - $500/mo · MICRO tier · indicative confidence, trajectory unclear.
  • ⭐ Quality: None★ across 0 reviews — weak — significant quality concerns.
  • 📍 Market: Not yet charting in any of the 9 monitored markets.
  • 📈 Growth: Insufficient signal to assess trajectory.
  • ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $3K-$6K. Portfolio play ($1K/mo combined) commands premium.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:

💰 Forecast Revenue / mo

MODEL
Revenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.

📈 Reviews Growth

LIVE
Cumulative review count from first BU snapshot. Each point = a tracked update.

⭐ Rating Trend

LIVE
Average rating evolution. Updates with each new review batch.

Profile & Insights

Everything we know — and don't — about this app and its company.

Identification

App name
smile - the internet bank
Developer
The Co-operative Bank UK
Bundle ID
com.cooperativebank.smile
App Store URL
Open in App Store
Category
Finance
Content rating
Not found
Languages
Not found

Company

Website
www.co-operativebank.co.uk
Tagline
Not found
Description
Not found
Founded
Not found
HQ / Address
Not found
Employees
Not found
Logo
Not found

Revenue

Verified revenue / mo
Not found
AI revenue estimate / mo
Not found
AI annual estimate
Not found
ML model estimate / mo
$428/mo
Top-grossing rank
Not found
All-time revenue
Not found
Pricing
Not found

Founder

Founder data not yet collected for this app.

Funding

Funding data not yet collected for this app.

Press & Links

Press & Links data not yet collected for this app.

Contacts & Socials

Contacts & Socials data not yet collected for this app.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.

📝 About this app

New to our app?
The smile mobile banking app makes it quick and easy to manage your money on the move.

Benefits
• Access & manage your finances anywhere, at any time
• Quick & secure money transfers between your accounts & other people
• Search your transactions & view your pending payments to find your incomings and outgoings

Key features
Download the app today & enjoy secure, convenient & efficient banking at your fingertips
• Quick & secure login with your fingerprint or passnumber
• Browse & search over a year’s worth of transactions on your current, savings & loan accounts… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →
🔖 vVaries with device📂 Finance💰 Free
🧪

Tech & Domain Intel — co-operativebank.co.uk

Tech stack
Microsoft 365 · Google Workspace · Atlassian (Jira/Confluence) · AWS SES
Derived from public RDAP + DNS TXT records (no scraping, no login).
🔔

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📝 Description

95
BU Score · Transcendent

More by The Co-operative Bank UK

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📦 Portfolio summaryINDIE studio
2apps·$1K/mocombined
Lead-app heavy — top app contributes 66%

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About this analysis
ZCAnalyzed by Zakhar Chumak · founder, bumetric·Full methodology·Low confidence

Why low confidence: only 0 ratings · no founder-verified revenue (model estimate only) · revenue figure is directional only.

📌 Final verdict — read this before you trust the numbers above

smile - the internet bank is a very early-stage Android app in the finance space with weak public traction — only 0 ratings, no founder-verified MRR, and not ranked in any monitored grossing chart. The app appears to be monetised, but public signals are too sparse for a precise revenue estimate.

Bottom line: treat all revenue, audience and acquisition-value numbers on this page as directional only — not founder-verified facts.

Frequently Asked Questions

3 answers · auto-generated from this app's public data
How much does smile - the internet bank make per month?
Low-confidence model estimate. smile - the internet bank has only 0 App Store ratings, so our revenue model has very little signal to work with — treat the ~$428/mo figure as directional only, not a verified MRR. No founder-verified revenue data is available for this app. See methodology for the formula and confidence bands.
What apps are like smile - the internet bank?
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes smile - the internet bank?
smile - the internet bank is published by The Co-operative Bank UK on the Google Play Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.