Do not know much about smile, but as it is also quite relevant to FrequentFlyers, especially those that travel to the USA, I would recommend the app based Chase UK account, that definitely work both as a Debit Card payment and as Bank Transfer payment.

in addition, you can set up a saving pot earning nice interest, getting 1% cashback on most Debit a card spending, home and abroad, forex free and MasterCard exchange rate when spending in other currencies, no charges from them to use third parties ATM (but those 3rd parties may still apply their fee, particularly in places like USA, Spain, Greece etc) and USP of being able to use for free Chase USA extensive network of ATM when visiting the states (other USA bank will charge non customers)