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

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

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 3 out of 5 stars

A bit mixed

Interest rate offered a year ago on 12 month deposit was competitive but offered rates at end of period less so.

30 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for sharing your feedback.

Rated 5 out of 5 stars

I’ve had a very positive experience…

I’ve had a very positive experience with SmartSave Bank. Everything has been very straightforward from start to finish, with a clear and simple process that made opening and managing the account hassle-free. The interest rate is excellent compared to many others, making it a great choice for anyone looking for a solid return on their savings. Highly recommended.

30 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Great review! Thanks, Pete.

Rated 5 out of 5 stars

Problems updating address online

Unable to update address on line so left a message on the website.
Received an email today from Andy requesting sight of my driving licence or other confirmation of ID and new address,
I sent a copy back via email with some other details and was advised by Andy within minutes that my details had been amended.
Excellent service.

28 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Brilliant. Thanks, Annette.

Rated 5 out of 5 stars

I saw this company on the Martin Lewis…

I saw this company on the Martin Lewis site. You can't go wrong with him. I have been saving with Smart Save for a couple of years now. They give you a good rate of interest. Very trustworthy.

25 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Lovely to hear from you, Patricia.

Rated 5 out of 5 stars

Great interest rates.

Easy to set up and a great rate on returns. They informed us when it was ready for maturing and the options were very easy to carry out. We took some money out and reinvested the rest.

23 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for the 5-star review.

Rated 5 out of 5 stars

This is an excellent company to work…

This is an excellent company to work with. Very simple and effective way to login and manage your account. Maturity payment was made right on time. I will use this company again.

23 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We really appreciate your review, Nigel.

Rated 1 out of 5 stars

its ok to you need to contact them

its ok to you need to contact them, CHAT BOT DOES NOT WORK AND NO PHONE NUMBER, YOU HAVE TO LOG ON TO SEND THEM A MESSAGE AND DO NOT EXPECT A QUICK REPLY FOR DAYS.
I got a email saying my account was maturing and will be put in a holding account as not filled in my maturaty instructions.
i did not get a email telling me my account was maturing and giving me options.
i logged on and sent a few emails telling them this and to put maturing funds into my nominated account.
i cannot phone or talk to them, only email them from ther site.
not good enough.
KEEP AWAY FROM THEM, SMARTSAVE IS PART OF Chetwood Financial Limited 
NO PHONE OR CHAT

21 November 2025
Unprompted review
Rated 5 out of 5 stars

The communication with Smart Save is…

The communication with Smart Save is very good and closing one account and opening another was simple and well explained. 5 stars aren't enough.
Thank you Smart Save,

21 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Wonderful! Thank you, Pat.

Rated 5 out of 5 stars

Easy account to set up and deposit…

Easy account to set up and deposit funds. Clear information for end of term options received well in advance. Will use again in the future.

21 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for the 5-star review!

Rated 5 out of 5 stars

Efficient Online Bank

My 1 year fixed savings account matured today and I reinvested it at a competitive rate with the interest going straight into my bank account. I am pleased with the efficiency of this online bank.

21 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Lovely to read your feedback, Christine. Thank you.

Rated 5 out of 5 stars

Very competitive interest rate which…

Very competitive interest rate which unfortunately was no longer available. Online account was easy to use and customer service was excellent.

19 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for sharing your experience.

Rated 5 out of 5 stars

Excellent service.

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 be the third year that I have used them, the interest goes back in my bank without any problems, I would definitely recommend

20 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate you sharing your experience. It's great to hear that you feel confident using our services for your financial transactions. We're happy that our platform meets your needs and that you'd recommend us.

Rated 5 out of 5 stars

This was a pain free experience,

This was a pain free experience,
very smooth transaction.
Easy to contact and very friendly.
I would certainly recommend them.

19 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that your experience was pain-free and the transaction smooth. It's great to know that you found us easy to contact and friendly. Thanks for your recommendation!

Rated 5 out of 5 stars

Very easy to set up the account

Very easy to set up the account. Useful reminders as the account neared it’s end date, capital and interest returned to my bank on time, only reason for moving is a better interest reate

19 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that setting up the account was easy. We appreciate your feedback and are glad the reminders were useful and your funds were returned on time. We hope you'd consider using us again in the future.

Rated 4 out of 5 stars

Good Account

Easy account to operate on line.Clear instructions. Only reason for closing was tom get a better rate in an ISA

17 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found our online account easy to use and clear. We appreciate your feedback.

Rated 5 out of 5 stars

Easy to set up an account

I opened a 12-month fixed-rate savings account; they had one of the best rates at the time. Easy to set up an account. Very happy.

17 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found it easy to set up the account and were pleased with the fixed-rate savings account. We appreciate your positive feedback!

Rated 5 out of 5 stars

Highly recommended

Easy set up, excellent interest rate, good communication especially when nearing end of term. Reinvested some of the monies and remainder transferred back to nominated account without any problem.

15 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that the setup was easy, the interest rate excellent and our communication helpful. We appreciate you reinvesting and are glad the transfer went smoothly. Thanks for your 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