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

Looking at 116 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the consistently competitive interest rates, highly straightforward account setup, and exceptionally smooth transaction processes when managing their savings online. People also deeply appreciate the clear, timely updates and the highly efficient maturity payouts delivered directly to their designated bank accounts right on schedule. Some reviewers were not happy with certain website friction, mentioning slow login times, persistent cookie permissions, or challenges obtaining specific financial documents. However, customers also noted that staying very attentive to email notices is essential to successfully handle account maturities and completely prevent unwanted automatic reinvestments.

What people talk about most

User experience

Reviewers express strong satisfaction with the user experience, highlighting the slick, straightforward, and... See more

Price

Customers express appreciation and satisfaction with the competitive interest rates provided on savings and... See more

Website

Clients share ambiguous opinions on website features and functionality. Many consumers praise the user... See more

Service

People report positive experiences with service, expressing complete satisfaction with their investments and... See more

Payment

Reviewers highlight positive aspects of payment, consistently noting that maturity payments and interest are... 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

Great return

A great company to invest with they kept me informed from my application to maturity with great rates would highly recommend them

October 19, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had a great experience with us. We appreciate you mentioning our communication and rates. Thanks for your recommendation!

Rated 5 out of 5 stars

Absolutely perfect from start to finish

Absolutely perfect from start to finish. I took out a fixed interest saving account and as soon as it was coming to the end they emailed me to let me know what I wanted to do next. The savings rates are very competitive. I highly recommend SmartSave banking. Thank you.

October 16, 2025
Unprompted review
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Reply from SmartSave

Thanks for sharing your review.

Rated 4 out of 5 stars

Simple Process

I had a fixed term savings account, it was easy to set up and paid a competitive interest rate. I would definitely use them again.

October 15, 2025
Unprompted review
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Reply from SmartSave

Great to hear from you, John.

Rated 5 out of 5 stars

Very easy to apply

Very easy to apply. Safe and secure process. Investment returned with interest on agreed maturity date.

October 15, 2025
Unprompted review
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Reply from SmartSave

Thanks for the review, Robert.

Rated 5 out of 5 stars

Excellent bank,easy to deposit ,funds…

Excellent bank,easy to deposit ,funds were received seamlessly on maturity,I have taken another fixed term bond and I would not hesitate in recommending this bank.

October 10, 2025
Unprompted review
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Reply from SmartSave

Great to hear from you, Mark.

Rated 5 out of 5 stars

I had a fixed rate savings account for…

I had a fixed rate savings account for one year.. good interest rate & easy to deal with on line. Options available were made very clear when the account matured. I have invested for another year.

October 10, 2025
Unprompted review
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Reply from SmartSave

Good to hear your review, Kathryn.

Rated 5 out of 5 stars

Trustworthy

I’ve had a fixed term savings account for 2 years. SmartSave have been trustworthy and offered competitive rates. Simple online system. Thank you. Only leaving now as found better fixed rate elsewhere.

October 7, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for your positive feedback and for using our services.

Rated 5 out of 5 stars

Great service

Held an account for 2 years. Always felt I was in full control of my money. Communication was first rate.
Would recommend this service

October 8, 2025
Unprompted review
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Reply from SmartSave

Great review. Thanks, Paul.

Rated 5 out of 5 stars

I have had an account for a few years

I have had an account for a few years. I have been very happy with the competitive interest year on year. I feel secure and reassured with the entire service provided. On occasions when I wish to speak to the team my questions and queries have been answered professionally.

October 7, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for the 5 stars, Angela.

Rated 4 out of 5 stars

Competitive and simple

I invested in a 1 year bond which had a competitive rate, this recently matured and using their online system I reinvested in another bond with minimum fuss. A delegate App works be nice but the website works well.

October 6, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you Carl. We appreciate your feedback regarding a dedicated app and are glad the website works well for you.

Rated 5 out of 5 stars

Extremely positive experience with Smartsave from start to finish

Smartsave was completely new bank to me when I first opened an investment account online. Whilst I have not spoken to an individual person but the whole process and system processes have been very clear and unambiguous to navigate.

I found the whole experience very positive and would have no hesitation recommending Smartsave to friends and family.

October 5, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks, Mark. We're happy to hear that your initial experience with us has been positive.

Rated 5 out of 5 stars

A delighted customer

Simple and straightforward to open an account and deposit funds.
I opened a 1 year fixed rate savings account last year which has recently matured.
As the current interest rate was competitive, I decided to reinvest my capital into another 1 year fixed rate saver. My new account was opened automatically and the interest derived from my previous account was deposited into my bank account on the date of maturity as per my instructions. First class service!

October 3, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for your positive feedback, Linda.

Rated 5 out of 5 stars

Excellent customer support

Excellent customer support! All the customer service staff that answered my phone and emails were very helpful, kind and courteous.

October 1, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate you taking the time to share your positive experience with us!

Rated 5 out of 5 stars

Unfortunately I had to withdraw my…

Unfortunately I had to withdraw my saving and was very stressed.
Charlotte was amazing lady who helped me through the process and was an angel to listen and understand my position helped me endless to assure everything would be ok.
l can only say what amazing person she is and a amazing bank she works for and when I’m out of my dark place. I will be surely be investing my monies back a true listening bank with amazing staff thank you so much

September 22, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate you sharing your experience.

Rated 5 out of 5 stars

straightforward savings account

straightforward savings account, easy to access.

September 22, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you find our savings account straightforward and easy to access. Thank you for your feedback.

Rated 3 out of 5 stars

I opened a 12 month fixed rate savings…

I opened a 12 month fixed rate savings account, they had one of the best rates at the time. Opening the acc was straightforward, My only concern about managing my online acc was that there is no authentication layer of security when logging into your acc, you simply login in with email address and a password and you are in. I did raise this concern with them and they assured me they had other security stuff going on in the background. This is the only reason ive given a 3 star rating. I have reinvested with them.

September 21, 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you. Your feedback is valuable as we continuously improve our services.

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