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The power of experience
Our customer reviews, and the community that provide them, are at the heart of Smart Money People. Previous customer experiences - good or bad - are important for helping you make the right choices about the financial products you buy.
Excellent service
Fran Drewett said - Can't recommend Lloyds enough, continuous 5*service in store and via telephone!
Lloyds Bank Avios Rewards Credit Card
No quibble
Christine Shelley said - I twisted my ankle on board a cruise ship, got the paperwork from the doctor on board, came home phoned Aviva, didn't want to see anything, took my word for it and money in my account two days later
Aviva Travel Insurance
Great value for money!
Domenico Buonocore said - Suggested by a friend, they're the cheapest on the market and get great value for money for the products and services they provide!
Velosure Cycle Insurance
Swiftcover (AXA) AVOID
Paul Campbell said - Online maintenance of a motor policy is what attracted me in the first place, initially with reasonable premiums too. You only really know the quality of an insurer when you make a claim or decide not to renew. My partner made a no-fault claim and this was a very protracted experience, the main problem being you’re not allocated a claims handler, so each communication is always from a different person who doesn’t know (or hasn’t bothered to read) the past history. It was settled in the end but not before my partner opted to take it to court. My own hiked premium this year encouraged me to look at the market. My Swiftcover (part of the AXA group) policy did not include Personal Accident, Legal Assistance, Courtesy Car, etc. but I found alternative cover which included all these for a much lower premium. My main issue occurred when I wanted to cancel at the renewal date (they do automatic renewals). Despite it being an online policy they don’t allow you to cancel online so you have the hassle of calling to discuss. I cancelled the policy and received a confirmation e-mail and took out the new policy elsewhere. At the renewal date I received a text from Swiftcover saying “Good news! You’re Swiftcovered again! Thank you for choosing us again”. I was straight on the case and they had indeed charged the whole premium to my credit card. I see this as pure theft and they refuse to make immediate repayment saying we have a 7-day refund policy!! Again, every communication is from a different person. AVOID AT ALL COSTS or you’ll regret it in the end.
Swiftcover Car Insurance
Good if nothing changes
Robyn Clarke said - We were charged a fortune to change details on our policy, ridiculous!
Tesco Bank Car Insurance
Just a warning
David Stone said - I used a Clarity card for my trips abroad twice a year and was very impressed with the exchange rates with no conversion charges. However, I decided to close this account (and cheque account) and instead opted for a card that would give me some Cashback. AFter an unsatisfactory experience (since resolved) I decided to go back to Halifax Clarity and was astounded that I was declined. This is despite paying off any balance in full every time by direct debit and can only assume that the "computer" that dealt with my online application didn't like the fact that I had also applied and been accepted for a rival card!
Halifax Clarity Credit Card
What a joke.
Craig Mitchell said - Hi every one, I hope you have managed to sort your pockit cards out. I would like to let you all know I have made a complaint to the financial ombudsman about this company and also made money supermarket Aware. As I to am having the same problem getting my money, cannot even get through the to them and no reply via e-mail. I hope you all get sorted Avoid this company like the plage
Pockit Account
Really great value
Joshua Bray said - Really easy experience, hopefully I don't have to claim, but its excess is really cheap anyway!
row.co.uk Gadget Insurance
Brilliant Service
Lindsay Frost said - Transferred an account to the Nationwide have received nothing but excellent service. Have had to contact customer service a couple of times when I was clarifying some points of the account and everyone was knowledgeable and helpful.
Nationwide FlexAccount
Jeremy Kyle Show at RBS
Angela McLean said - We attended a mortgage interview with my local branch of RBS to work out how much we could borrow, get an idea of repayment costs etc. Having already had one with Santander we had a fair idea of what to expect - or so we thought. I should make it clear that the Assistant was very polite, warm, funny (maybe not intentionally) and tried to help as much as possible. Unfortunately for some reason they gave us an Assistant with only basic mortgage training who was not empowered to give us any actual figures. She could tell us how much we could borrow but could not even give us an estimate on repayment costs despite the fact I could look this info up for myself using my mobile during the interview. The fun part came with her giving us a complete run down on her personal life. I know WAY more than I ever needed to know about her ex-partner and her delightfully lazy son who plays computer games all day in his pants.... Entertaining - yes. Useful - no!
Really great bank!
Jack Lawson said - I've had my account around two years now, and from signing up, everything was simple and easy. I had issues last year when the fraud department refused to pay me out after I had nearly £1500 stolen from my account, but after a complaint was put through, it was sorted out for me. I've opened backup accounts since then just in case I'm left short for money again, and I'm so unhappy with them, I've been moving all over the place. It makes me realise how good First Direct's interest rates are on accounts. They also just gave me a £1000 overdraft without a fuss and when I used it, I only paid 28p interest whereas other banks want to charge over £10 a month.. Great job First Direct! Definitely recommended!
first direct 1st Account
Claim
William Marques said - To whom it may concern, I have just been speaking to one of your employee's over the phone regarding a claim for an incident which occurred on the 01.08.16, The gentlemen whom I spoke to gave me the name of Akeem which may be a fake name, is a useless member of staff who is probably sitting on his arse not knowing what he is doing at all. He may be new or something but he is the rudest person ive ever spoken to and im an estate agent who knows well, customer service is key! This is the 1st complaint I have ever made in my life and may it be the last but I cant sit here and think that this 'Akeem' is going to be speaking to other customers in the same way. So, I called for an update which I have been doing for the past 2weeks. He asked if I was the owner of the vehicle. I said no but I was the driver of the incident and I have been it touch several times, could you just put me through to claims please. he said he cannot out me through because im not the main driver????? he then said he couldn't give out any information without speaking to the main driver first??? Once I realised he didn't know very well what he was talking about, I explained I had been in touch several times and if he could put me through to claims or another colleague. he refused and refused. I asked to speak to a manager which he said I could and If I wanted to leave a complaint to leave it on here? This employee is a joke. I demanded he gave me the managers name and after a while he gave me a name: April. That's all he said. no Miss, no Mr nothing. just goes to show his level of professionalism. I asked to speak to Miss April which he said straight away, she isn't available can you hold the line. So he asked me to hold the line before asking the manager if they can take a call and then I don't understand why he wanted to put me on hold? Was he going to keep me on hold? I don't know if he was giving me fake names but I hanged up and called again and was finally put through to a more professional member of staff called: Jay Martin in claims. This gentlemen was top notch, he knew what he needed to ask, wasn't stupid & gave me all the information which I requested and even offered more help! This AKEEM dude should become his apprentice. Only after 3mins of Jay's time, I got more information than I needed and I was put through to the correct person Arron, who was dealing with my case. Both Arron and Jay are suburb and in no way was they as rude. I still havnt got to the point as to why AKEEM was being the way he was. Woke up on the wrong side of the bed? Or mummy didn't make him lunch? Anyway, Im sure you record your calls? As I keep hearing it when im on hold.. So this goes to the manager who I suppose is a women: Miss April, can you please sort out this 'human' and fire his arse because if I ever call and he answers the phone, I will be taking further action. There is no way I pay for insurance and get spoken to the way I did. Call was made on the 15.08.16 at 12:15pm and this situation lasted 11mins. I advise you hear the call and take further action. To be very honest, no wonder why there is so many bad reviews about GoGirl. He left me no choice so here is another. Sort it out, your staff are loosing you customers and to be very honest, if the manger knew what she was doing, she would have a employed a scum
Go Girl Car Insurance
Hard to access advice
Hannah Thackeray said - I would appreciate less automated contact and more of a personalised experience. I found it difficult to find advice on what savings account would be best suited to my circumstances, and the website isn't as easy to navigate and compare accounts as those of other banks I've used.
Very helpful
Charlotte Pike said - Left laptop on train. Was replaced (since named item) and due to the one we bought no longer being available we ended up with a better one than we started with! Was hassle free and call center staff were friendly and helpful throughout. Now have all my insurance through them.
Legal and General Home Insurance
Good service!
Dave Edwards said - LV consistently emerge as one of the better value options on the comparison websites, however I'm pleased to report that they also delivered when I needed to claim - courtesy car within a day, car repaired with zero fuss and little more than a couple of forms to fill.
LV (Liverpool Victoria) Car Insurance
RENEWAL GAME
Howard Sleight said - Every year MORETHAN send me a very high renewal price. I ring up and they reduce it - very annoying - but they all do it!
MORE THAN Car Insurance
Trusted pet insurer
Siobhan Brown said - Have used PetPlan since adopting the family pet from Dogs Trust and highly recommend them for price, reliability and customer service.
Petplan Pet Insurance
Shocking new website
Jo Owen said - JL asking all JLP card holders to re-register but the awful new website is making it impossible! Simply will not accept the pin number I'm trying to input. I will try & get through by phone tomorrow but hearing that's impossible too at the moment! What a mess!
John Lewis Partnership Card
Slow and Cumbersome
Andrew Browning said - Pour communication, the online loan application says they will telephone or email for any further detail. They requested detail via post, which did not arrive even after 7 days. Email is more reliable than the postal service and also legally binding. After telephoning the bank they told me to send in further information confirming my address which later they informed me they did not require, but then asked for a bank statement. We live in the 21st century people don't receive hardcopy statements or utility bills anymore and getting them is costly. 7 days passed, so using the next loan provider on GoCompare they turned the loan around in 48 hours with no issues. This process has cost me the same amount in savings that IKANO offered against the next loan provider. I have no CCJs and an excellent credit history with a good income with no large outgoings, so why had this got be so painful for a reasonable sized loan?? IKANO should request via email or phone all decision making documents with in the first 24hours.
Ikano Bank Personal Loan
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