SmartSave Reviews 

1,534
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Evaluating 118 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the highly competitive interest rates and the remarkably simple, straightforward account setup process. People also find the online platform extremely user-friendly and appreciate receiving timely maturity payments directly into their nominated bank accounts. However, some customers also noted that logging into the system can occasionally be slow and repeated cookie permission prompts are slightly annoying during visits. A few reviewers additionally mentioned minor operational challenges, such as difficulties obtaining annual statements for mortgage or external purposes, or navigating the online account without an added authentication security layer.

What people talk about most

User experience

Users describe positive interactions with user_experience, highlighting a seamless application process and a... See more

Price

Consumers find price and interest rates to be generally satisfying, with many highlighting competitive... See more

Website

Customers consistently note positive experiences with website usability, describing it as very slick,... See more

Service

Reviewers express high satisfaction and delight regarding the service, noting that everything promised... See more

Payment

Clients share positive opinions on payment, highlighting speedy, secure transactions and prompt payouts of... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Been with SmartSave for 3 years now (3 separate full investment cycles) each for a full term non ISA investment (had maxed out ISA Allowance) which has generated a good % interest return. The applicat... See more

Company replied

Rated 5 out of 5 stars

We have been saving for several years with SmartSave because we find their interest rates are always at the highest level available, their website is very user friendly and the transactions are made s... See more

Company replied

Rated 5 out of 5 stars

Easy to set up account, clear interest rates, easy to check on account info at any time. Clear update from smart save on account and interest nearing end of term and the funds and interest paid direct... See more

Company replied

Rated 5 out of 5 stars

Moving large amounts of money around on the Internet can be quite daunting with the amount of scams. Saw this company on the Martin Lewis site which gave me the confidence to use them. This will now... See more

Company replied


Company details

  1. Bank

Written by the company

Say hello to SmartSave. Fixed term, fixed rate savings accounts designed alongside our customers to offer a simple way to save. With an online account you can trust, we'll be crystal-clear about when your term is ending, so you always make the most of your savings. SmartSave was created by British bank, Chetwood Financial, where we use technology to make our customers better off. We're using our experience in Banking and Technology to challenge how Financial Services works today and provide smarter, online financial products, with no gimmicks.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2k reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 20% of negative reviews

Typically replies within 2 weeks

How this company uses Trustpilot

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4.7

All reviews

(1,534)

107 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Good Investment

Very easy to deal with. No hassle.

9 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that your experience was easy and hassle-free. Thanks for your 5 star review.

Rated 5 out of 5 stars

Good Experience

Competitive interest rate, easy to setup, notified me well in advance of maturity, promptly transferred my maturing capital into another account. A good experience and I'll use them again

9 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that the setup was easy and that you were notified about your account. We appreciate your feedback and are glad you enjoyed your experience.

Rated 5 out of 5 stars

Great experiences

I locked away some savings in a fairly high interest rate. This company did not disappoint, they do exactly what they say they will. Mostly ,they didn’t bombard me with promotions, no further sales pitch . Their web site is easy to use and navigate, would highly recommend this company

9 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a positive experience with our services and easy-to-use website. We appreciate your recommendation and are glad we met your expectations. Thank you for your feedback.

Rated 5 out of 5 stars

Used SmartSave to invest cash in fixed…

Used SmartSave to invest cash in fixed rate fixed term over last 2 years. Great service. Good website, easy to use, clearly sets out all you need to see about your account, As long as the interest rates stay competitive will certainly use again.

9 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you've had a great experience using our services for your fixed-term investments over the past two years. We appreciate your positive feedback regarding our website and account clarity. We'll aim to keep our rates competitive for your future use.

Rated 5 out of 5 stars

SmartSave Good safe return on Savings

I have used SmartSave a couple of times now and each time they have been easy to invest in,give a good rate and good options when the term ends.

7 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you find our investment process easy and appreciate the rates and options provided. Thank you for your positive feedback!

Rated 5 out of 5 stars

I have used SmartSave a number of times…

I have used SmartSave a number of times by depositing substantial amounts with them over the years and found them to be as good as their word. That's all I ask for and need and that's what I have had.

8 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate you sharing your long-term experience. It's great to hear that we have consistently met your expectations with our services. Thank you for your positive feedback!

Rated 5 out of 5 stars

Would not hesitate to recommend

I had a I year fixed rate saver which gave an excellent return on investment. I was grateful not to be bombarded with communications about other products etc. over the year but the communication with me was excellent when nearing maturity clearly outlining my options and what to do. Would not hesitate to recommend this bank.

6 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for your 5 star review and for your recommendation.

Rated 3 out of 5 stars

Excellent savings rates but not good communication

Very happy with excellent savings rates. However, my 1 year fixed account recently matured and I had no offers of options what to do prior to the deadline. Consequently, I didn’t look online.
No response to my enquiry about this.

6 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for getting in touch. We'll use your feedback to improve our service in the future.

Rated 5 out of 5 stars

Good rates

Good rates, easy to use. Once set up it does it's work and there's no constant marketing pressure.

4 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you find our rates good and the platform easy to use. We appreciate your feedback about your experience!

Rated 5 out of 5 stars

Kept informed of options and timetables…

Kept informed of options and timetables to renew my investment. Easy to action.

3 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found it easy to renew your investment and were well-informed. Thank you for your positive feedback!

Rated 5 out of 5 stars

Great interest rates no hassle plenty…

Great interest rates no hassle plenty of reminders at review date!

4 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're glad you had a positive experience with our great rates, easy process and helpful reminders. Thank you for your feedback!

Rated 5 out of 5 stars

Excellent service

I opened a fixed rate account with an excellent interest rate, and was then left alone for a year. No bombardment trying to sell me other products, till, when the time came, I received prompts telling me my options, and was then guided through the very simple selection process. Very happy with my experience.

4 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're delighted to read you were very happy with your experience with us.

Rated 5 out of 5 stars

I have used Smart Save for 2 years now…

I have used Smart Save for 2 years now and they have never disappointed. Their interest rates for their bonds are amongst the best in the market, they give a clear view of how much interest will be paid and when. When my bond matured, they paid the proceeds directly into my nominated bank account right on time. Although they may not seem quite as familiar as recognised high street banks, their service and (and my trust in them) has been second to none. I am continuing to invest in one of their yearly bonds for a 3rd year in a row.

3 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate your continued trust and are happy to hear that you've had such a positive experience with our bond offerings over the past two years. It's great to know that you find our interest rates competitive, our information clear and our service reliable. Thank you for your feedback.

Rated 5 out of 5 stars

Excellent experience

I found Smartsave to be clear , straightforward and easy to use. So much so I have reinvested for another year.

3 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're thrilled to hear you've chosen to reinvest with us.

Rated 5 out of 5 stars

Excellent platform and speed of…

Excellent platform and speed of withdrawals was great.
Good rates of interest too.

3 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a great experience with our platform and withdrawal speed. We appreciate your positive feedback on the interest rates.

Rated 5 out of 5 stars

Fixed rate saver product

I held a 1 year fixed rate saver with Smartsave, which ended today. It was a very competitive rate. I found the whole process went very smoothly and I wouldn't hesitate in recommending their savings accounts.

3 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for taking the time to leave a review. We're glad you found the process smooth and we appreciate your recommendation.

Rated 5 out of 5 stars

Great company to invest in .....

I found smartsave to have a very competitive interest rate when investing in a fixed yearly saving account.
They always kept me involved and update how thing were running.
As the anniversary of the account was coming to maturing they messaged me on what options I would like going forward...There was never any pressure of re- investing but there was an option there...I didn't take it up for another year as need the money for something else at present but would have no hesitation of investing with them in the future...Thank you very much smartsave ..

2 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for getting in touch and sharing your experience with us. We hope we're able to help you again in the future.

Rated 5 out of 5 stars

Easy to set up and went smoothly when…

Easy to set up and went smoothly when my account matured and was transferred to my nominated bank account.

2 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that the setup was easy and the transfer to your bank account went smoothly. Thank you for your positive feedback.

Rated 5 out of 5 stars

I have invested with Smartsave for…3 years

I have invested with Smartsave for three years now and about to invest again. I have had no issues at all and found them to be very efficient. Only had to contact them once due to a mistake I made in the amount I wanted to reinvest at the end of term period and the response from Mark was very professional and quick. Much appreciated.

2 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate your continued investment over the past three years. It's great to know that the assistance you received was professional and timely when you needed it. Thank you for sharing your positive feedback.

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