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

They provided a good rate of interest…

They provided a good rate of interest and kept me informed when the investment was due for completion. I have since invested in their parent company, Chetwood. Highly recommended.

12 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you received a good interest rate and were kept informed. Thank you for your recommendation and for investing in Chetwood!

Rated 5 out of 5 stars

Andy was very prompt with our reply and…

Andy was very prompt with our reply and sorted out our query very quickly,
Very happy with experience and ease, thank you 👍🏻

11 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that your query was resolved quickly and efficiently. We appreciate your positive feedback and are glad you were pleased with your experience.

Rated 5 out of 5 stars

Great rates

Great rates, with a simple App to keep a track on your investment.

9 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Great to have you with us, David.

Rated 5 out of 5 stars

Excellent online bank

Excellent online bank. Easy to open an account and deposit/ withdraw funds. Good communication and support. Competitive interest rates. What’s not to like

9 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Amazing review, thanks Kate.

Rated 5 out of 5 stars

Easy to set up account

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 directly into requested account promptly on end date. Much better interest rate than bank.

6 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for your positive feedback, Janice!

Rated 5 out of 5 stars

Good interest rate

Good interest rate, at the time of opening the account, good communication from staff when I had a question, easy to use web site with a clear display of all the information I needed.

6 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for your review, Steve!

Rated 5 out of 5 stars

excellent help

very helpful and very quick to give me the information I needed.

5 November 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We really appreciate you're review. Thanks, Colin .

Rated 5 out of 5 stars

Panicking but Andy to the rescue

I was panicking when i went online and could not obtain an annual statement and then read under FAQs that SmartSave do not produce statements. I needed an urgent statement to show my funds being transferred from SmartSave to my nominated account for mortgage purposes as the Agent required proof. I then went online to the Chat faciality and spoke live with Andy and i must say he helped me with what I required. It only took minutes for him to come back to me after security checks to say Statement will be with me the next business day and to my surprise I got what I wanted. Andy....really appreciate you helping me and I'm sure if i didn't get you that day another colleague would have done the same. SmartSave are great in Customer Service 5/5.

22 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Great to hear from you, Jas. Glad we could help.

Rated 5 out of 5 stars

Used these recently

Used these recently, great product and great service. Would highly recommend and will be using them again in the future.

29 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Brilliant! Thanks for the recommendation, Tracy.

Rated 5 out of 5 stars

Smartsave staff show Professionalism & Empathy

I rang Smartsave this morning & spoke to Karen with a problem I had encountered.She was so lovely & allayed any fears I had.She showed professionalism & empathy, a real credit to the company.Thank you Karen for your sound advice & friendly words

27 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for sharing your experience, Carole.

Rated 5 out of 5 stars

Clear and simple

Clear and simple, great website, easily navigable, good communication.

26 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for your 5 star review, Steven.

Rated 5 out of 5 stars

Andy from Smartsave was quick and efficient

Andy from Smartsave was quick and efficient and helped me resolve a mistake i had made and allowed me to redo my investment correctly. Always get quick response from the chat options with Smartsave, a great bank to be with and fantastic interest rates too.

23 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for the 5 star review.

Rated 5 out of 5 stars

Happy customer

Although my Smart Save account was online, I got a really speedy and helpful email response from Andy which answered my query.
Also they returned the money quickly on maturity, and I have now reinvested with linked Chetwood Bank.
Would recommend them.

21 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thanks for sharing, Maria.

Rated 5 out of 5 stars

Super easy to use

Super easy to use, website straightforward . Transactions fast will definately use again

21 October 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Great to hear from you, Shona.

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