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

Smartsave has not returned my cash after maturity

The instructions given for the transfer of my money when the term deposit came to an end were not carried out. I received a message from Smartsave to say how wonderful they were and invited a comment but when I replied I received a message to say my questions cannot be received. It is now 4 days since my money should have been received in my linked bank account but it is still with Smartsave earring no interest.

Another day goes by and still my cash has not been received! Is this institution in financial trouble?

2 September 2025
Unprompted review
Rated 5 out of 5 stars

Easy to open and manage account

Easy to open and manage account, great rates and clear communications. Have only switched away as Chetwood Finance needs to improve its efforts and transparency on sustainability / green credentials.

1 September 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for the feedback regarding sustainability.

Rated 5 out of 5 stars

Great service

Great service
Helpful and polite
I would use them again .

31 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found our service helpful and polite. Thank you for your positive feedback.

Rated 5 out of 5 stars

Great company

Great company, Easy set-up, good return. Would recommend

31 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that the setup was easy and you had a good return. We appreciate your recommendation.

Rated 5 out of 5 stars

Easy to set up and log into…clear…

Easy to set up and log into…clear instructions ..everything went smoothly throughout the year.. and closing down after maturity was a breeze… I highly rate this company.. and would invest with them again.

31 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We appreciate your rating and are glad you had a smooth experience. Thank you for your feedback, Martin.

Rated 4 out of 5 stars

Efficient and good rates

Smartsave has all the systems in place to support your investment. As with a number of companies they are efficient but you need to read their emails and act to ensure your funds are not reinvested.
There are no issues with the company, good rates and good communication just act on it.

31 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for taking the time to share your experience.

Rated 5 out of 5 stars

Thank you Andy

Great company. Easy process. Staff more helpful than bank staff normally are.
Particularly a guy called Andy who looked after my query. Thank you Andy!

12 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you found our process easy and our staff helpful. We appreciate your kind words and are glad we could assist with your query.

Rated 5 out of 5 stars

Prompt & polite

Prompt, comprehensive response to query via chat - polite and factual = perfect

29 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Great to hear, Kevin. Thank you for the review.

Rated 5 out of 5 stars

Great service

Great service. Easy to set up an account. Contact from SmartSave was excellent. They told me the options I had and implemented them exactly as they said! Have invested with this company a few times now, and would definitely recommend.

27 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

Thank you for recommending us, Helen.

Rated 5 out of 5 stars

Account management

I have had an account for three years. The process of managing the account is simple and clear. Information provided is simple to understand .

26 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you find managing your account simple and clear. Thank you for your feedback!

Rated 5 out of 5 stars

Very easy to open account

Very easy to open account, check it, and close it at the end of the term, online. Excellent experience.

21 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that opening, checking and closing your account online was easy. We appreciate you sharing your excellent experience with us!

Rated 5 out of 5 stars

Highly Recommended

Easy to open an account, great rates, no pressure. Good communication.

17 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that opening an account was easy, with great rates and good communication.

Rated 5 out of 5 stars

They do what they say on the tin.

I spent a lot of time complaining about a lot of companies which shouldn’t be in business. This one is a complete opposite. It was a bit scary to put money into a place that you don’t know much about.

The truth is put money in, here nothing until four days from the end of the term when they ask you would you like to continue? You say yes please for another year, hear nothing for another year and then four days before end of contract what would you like to do with it? Put it in my bank account I reply. Boom, in my bank account including interest.

Bloody fantastic, no unsolicited adverts, no email every week to delete, no offers of rewards. Nothing except what it is you contracted for. If only thousands of companies out there could do the same, just do what you say.

9 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that you had such a positive experience! It's great to know that we met your expectations with our services. Thank you for sharing your feedback; we appreciate it.

Rated 5 out of 5 stars

Excellent service

Excellent service, easy to follow online instructions!

7 August 2025
Unprompted review
SmartSave logo

Reply from SmartSave

We're happy to hear that our service met your expectations and that our instructions were clear. Thank you for your positive feedback!

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