Me: Hello, smile, is it possible to convert my regular bank account into a student account?
Smile: No probs. Send us your university acceptance letter and funding form and we’ll get right on it.
Me: Here you go.
Smile: Thanks! Here’s the thing: we can’t convert your account. You’ll need to set up a new one and run it alongside.
Me: Ok. How do I do that?
Smile: Just submit a normal account application, tell us your current account details and we’ll get it all linked up so you can see it in the same interface.
Me: Ok, I’ve submitted my application.
Smile: Thanks! We’ve rejected it. We won’t tell you why. Byeee!