SmartSave Reviews 

1,534
TrustScore 4.5 out of 5

4.7

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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

Write a review
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

Extremely straightforward to open a…

Extremely straightforward to open a savings account with SmartSave on line. Great rates of interest. Easy to follow maturity options. Would happily recommend. 😊

June 14, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that opening a savings account online was straightforward for you. We're also glad you found our interest rates great and maturity options easy to follow. Thank you for your recommendation!

Rated 5 out of 5 stars

Excellent Customer Service from Charlotte

Today I spoke with Charlotte who is an asset to SmartSave. Her telephone manner was exceptional. She was very understanding, made me feel at ease & listened to my query. After our conversation for the first time I felt like at weight had been lifted off my shoulders. What a wonderful person & I wish her well in her career.

June 13, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're so happy to hear you had such a positive experience. We'll make sure to pass on your kind words to Charlotte!

Rated 5 out of 5 stars

Very happy with my savings account

Very happy with my savings account. Easy to open online and clear instruction emails about re-investing my funds or transferring them to another account - which I did as the funds were needed for travel.
I highly recommend this Smart Save and will definingly save with them again

June 13, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're delighted you're happy with your savings account. Thanks for your recommendation and we look forward to helping you again in the future!

Rated 5 out of 5 stars

Easy to access account on line

Easy to access account on line. Good communication. Clear maturity options on saving accounts

June 12, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear you find our online access account easy to access and were happy with the communication you received. Thanks for your feedback.

Rated 5 out of 5 stars

Hassle free

Hassle free, does what it says on the tin!

Prompt, great communication!

Would use again!

June 12, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for taking the time to get in touch and sharing your thoughts with us. We hope to help you again in the future.

Rated 5 out of 5 stars

Great Customer Service

I have had my account for a few years now and very happy with the service I receive. Easy to open online and to access your records. Competitive rate of interest. SmartSave informed me when the fixed term was coming to an end with an option to renew. Highly recommeded

June 10, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you've had a positive experience with our services for the past few years. It's great to know that you found our online account opening process easy and appreciate the competitive interest rates. Thanks for recommending us!

Rated 5 out of 5 stars

Did everything I asked.

Did everything I asked.
Simple to access my account.
Various options available to get in touch with the bank.
Great service.

June 10, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found our services helpful and your account easy to access. We appreciate your feedback about the great service you experienced.

Rated 5 out of 5 stars

My experience with SmartSave was…

My experience with SmartSave was positive in every way. Easy to process, keen rates, and excellent communications throughout. Speedy end-of-term settlement. Would recommend

June 10, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear your experience with us was positive. Thanks for your recommendation!

Rated 4 out of 5 stars

Easy Account

No problems opening and checking account. Money paid out promptly at end of term.

June 9, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that opening your account and receiving your payout went smoothly. We appreciate you taking the time to share your experience with us.

Rated 5 out of 5 stars

Secure yet hassle free banking

I found the experience of opening a fixed rate savings account secure, efficient and speedy. It was always easy to check the status of my savings and I received relevant information by email at the appropriate times in the process. At the end of the fixed term, all the options were made clear and easy.

June 7, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for getting in touch. We're happy to hear you found opening your fixed rate savings account secure, efficient and speedy.

Rated 5 out of 5 stars

SmartSave offered the best rate at the…

SmartSave offered the best rate at the time. Obviously you need to shop around as rates change frequently. The process of saving with them (for a year-fixed rate) went smoothly.

June 5, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found a great rate with us and that the process went smoothly. We appreciate you taking the time to share your positive experience!

Rated 4 out of 5 stars

Generally happy with smartsave

Generally happy with smartsave. Have just reinvested for 2nd time. Was given plenty of notice that fixed term was ending and told my options. 1 star lost as most banks let you change maturity options up to the day before and as smartsave only permits 1 account - why?

June 4, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're thrilled to hear you've reinvested with us! We appreciate your continued investment and are happy you were pleased with the information you received about your options. We'll take your feedback regarding maturity option flexibility and the single account limitation onboard.

Rated 5 out of 5 stars

I invested for one year

I invested for one year. It is an easy way to get a good return.
I certainly recommend smart save.

June 1, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found it easy to get a good return on your one-year investment. Thank you for recommending our services!

Rated 5 out of 5 stars

Saving the Smart Way

Delivered everything they promised and kept me updated with important dates. I couldn’t ask for more and would highly recommend them to any future investors.

June 3, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that we delivered on our promises and kept you informed. Thank you for your recommendation; we appreciate your positive feedback!

Rated 5 out of 5 stars

Great experience

It was all perfect, I used their fixed rate savings account for two years in a row with great interest rates and overall good customer experience, comms, and so on. Would go back in the future.

June 1, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a perfect experience with our fixed-rate savings account! We appreciate your comments regarding our interest rates, customer experience and communications. We look forward to helping you again in the future.

Rated 5 out of 5 stars

Service

Offered a service that I was looking g for at the time and easy to set up

May 31, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that our service met your needs and was easy to set up. Thank you for your positive feedback; we appreciate it.

Rated 4 out of 5 stars

All easy to use online

All easy to use online. I invested for 2 years, I received an email reminding me the date my account would finish, which I was aware of. I would have reinvested for a 3rd year, but 4 days before finishing I tried to do this but received another email that it was too late. It would have been helpful to have provided a deadline date on the previous email, but otherwise all went well.

May 21, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're glad you found our online system easy to use. We appreciate your feedback regarding the reinvestment deadline. We'll review our email notifications to see how we can improve clarity for future reminders. Thank you for your time.

Rated 5 out of 5 stars

Excellent!

Really easy to save with SmartSave, good communications, good rate of interest,smooth transactions, website easy to use. All in all a postive way to save money. Shall be recommending to friends & family.

May 29, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found SmartSave easy to use and that you're pleased with the interest rate and smooth transactions. We appreciate your recommendation to friends and family!

Rated 5 out of 5 stars

Moving money into account

After a online text, I got a telephone number to call, my fund didn’t go through ( my fault) but the online people emailed my and informed me this, so I successfully done it again, thank fir there quick help

May 27, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate you taking the time to share your experience. We're glad our team was able to assist you promptly and efficiently when your payment didn't initially process.

Rated 5 out of 5 stars

No problems

No problems opening a savings account. At maturity I got a couple of emails instructing me to make a choice which was straightforward, and the money was transferred a few days later. Simple.

May 15, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear you found opening a savings account and managing your funds at maturity simple. Thanks for your positive feedback.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look