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

See how their reviews and ratings are sourced, scored, and moderated.

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 1 out of 5 stars

I invested in a two year bond with…

I invested in a two year bond with interest paid at maturity as part of a strategy to minimise tax liability. After one year the interest was paid to me incurring a tax liability because the account then exceeded £85k. This was not clearly stated at the outset and has resulted in a tax liability this financial year of £800…I.e has cost me £800.

2 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for getting in touch to share your experience with us. We're sorry to read you were unhappy with your experience with us, however information about interest being returned if a balance exceeds £85,000 is clearly stated in section 5 of our terms and conditions. It's also mentioned in the FAQs section on our website.

Rated 5 out of 5 stars

My Savings with SmartSave

I am completely satisfied with SmartSave and have therefore just reinvested my savings with them. Their customer support is second to none, specifically Andy who was outstanding and so very helpful at all times. What an asset he is!

23 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're delighted to read you were completely satisfied with your experience with us. We'll make sure to pass on your comments to Andy.

Rated 5 out of 5 stars

Good rate

Good rate. Clear instructions. Secure. Everything works as advertised.

1 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a secure and easy experience with a good rate. Thank you for your positive feedback.

Rated 5 out of 5 stars

Easy secure website

Easy secure website, competitive rates to save

1 July 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found our website easy to use and secure, with competitive rates. Thanks for your feedback.

Rated 4 out of 5 stars

Reinvestment with Smartsave

This is a reinvestment with smartsave all went ahead without problems. my only problem is getting into the web site which seems to have to be refreshed a couple of times before i can get onto the site.

4 February 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for letting us know about the problem you had accessing our website. We'll take your feedback onboard and use it to improve our service in the future.

Rated 5 out of 5 stars

One year fixed

Always competitive rates and good customer service

29 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate you sharing your positive experience with our competitive rates and customer service. Thank you!

Rated 5 out of 5 stars

Good company

Very easy to use and log into. Good interest rate that was paid on the correct day

29 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear you found our platform easy to use. We hope you'll consider using us again in the future.

Rated 5 out of 5 stars

Always offer some of the best rates on…

Always offer some of the best rates on market and various options for duration of savings from 1yr upwards. Sufficient time given to look at options to renew.

28 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you find our rates competitive and appreciate the variety of savings options and renewal time.

Rated 5 out of 5 stars

Easy, simple and a great rate.

Great rate on a two-year fixed savings account. Easy to use website and good communication throughout. Simple, straightforward.

26 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy you found a great rate on our fixed savings account and that our website was easy to use. We appreciate your positive feedback and are glad you had a straightforward experience.

Rated 3 out of 5 stars

good rates of interest but virtually…

good rates of interest but virtually impossible to get to speak to anyone if have a problem. they use live chat but have no phone number. had 2 separate problems which needed attention and you waste an awful lot of time going round in circles because there is no phone number. on live chat they offer to phone you back within one working day but that is hopeless if you are in meetings.

25 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate your feedback regarding the challenges you faced reaching us. We're sorry that you struggled to get through to someone. We're reviewing our support system to improve accessibility. Thanks for your feedback.

Rated 5 out of 5 stars

Does exactly what it says and great…

Does exactly what it says and great customer service. Money in and after a year money out no bother.

24 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a great experience with our services! Thank you for your positive feedback; we appreciate you taking the time to share.

Rated 1 out of 5 stars

Excellent savings account

21 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for getting in touch but we think your star rating may be wrong! If you could amend your rating so it reflects your comment we'd really appreciate it!

Rated 2 out of 5 stars

Very poor maturity process

Very poor maturity process, which my husband complained about in April and they ignored and did not uphold the complaint and then when my own account went through the same appalling maturity process I complained and they upheld this which was exactly the same issue, my husband even asked them to look at the customer journey, which they supposedly pride themselves on, but still didn’t see the issue in April.

2 June 2025
Unprompted review
Rated 5 out of 5 stars

Support from Andy

Andy provided the required information promptly. He is good.

17 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We'll make sure to pass on your comments to Andy. Thanks for getting in touch.

Rated 5 out of 5 stars

Very good to deal with online

Very good to deal with online.
Competitive rates with no hassle.

18 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a positive online experience and found our rates competitive. Thank you for your feedback!

Rated 5 out of 5 stars

A great interest rate

A great interest rate to help boost my savings. Easy to use online account. Simple explanation of how I would receive my money at the end of the fixed term with the opportunity to take another fixed term account.

16 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're here to help customers make the most of their money, so we're happy to hear we were able to boost your savings.

Rated 5 out of 5 stars

Top notch

Easy to deal with and do what they say there going to. Can't ask for more.

15 June 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a positive experience. It's great to know that we met your expectations.

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