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What are Smile like?

A friend of mine was considering applying for a Smile account. It's nice to see one of the "cooler" banking brands still surviving and accepting new customers! I've held an account with the co-operative bank before and I think they're quite good (was only a Cashminder). Two questions:

1. How to Smile rate as a bank (+ vs Co-Operative high st.)
2. What is their credit scoring like? (Friend has a default from about four years ago but everything else perfect)
Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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