Smart Money Risers for July 2026

If you're looking for a new bank, lender, insurer or savings and investment provider, knowing who delivers a great customer experience is just as useful as knowing who's offering the best rates. Our Smart Money Risers index tracks month-on-month and quarter-by-quarter improvement in customer review ratings across the consumer personal finance sector, identifying which providers are improving fastest and why.

July's top cross-market provider risers

Monmouthshire Building Society climbed to a rating of 4.58 out of 5, supported by improving customer satisfaction across its savings accounts.

Customer feedback shows growing appreciation for products that meet different savings needs, alongside clear guidance that helps customers understand their options and select suitable accounts. Its savings rating recorded a particularly strong improvement during the month, rising against both June and its recent three-month performance.

“Visited the branch and changed product for a better interest rate that fitted my needs more closely,” said one Monmouthshire Building Society customer.

PayItMonthly emerged as one of July's strongest performers, achieving a perfect customer rating of 5 out of 5.

Retailers praised the platform for making interest-free payment plans quick and straightforward to offer, while customers benefited from being able to spread costs through clear and manageable instalments.

“PayItMonthly has made a huge difference to us as a small business, enabling more of our clients to afford what they want,” said one retail partner.

“The application process is extremely quick and easy, and payments are prompt and reliable,” added a PayItMonthly customer.

Revolut returned to a rating of 4.94 as customers praised the breadth and convenience of its digital banking experience.

Feedback highlighted fast transfers, competitive currency exchange and easy overseas spending, alongside tools that help customers budget, save and manage their money more effectively. Rewards and travel benefits also contributed to the sense of value customers receive.

“Great modern bank providing what is needed in today's world. The ability to easily and quickly transfer money between different currencies is brilliant,” said one Revolut customer.

What's driving customer satisfaction right now?

Across July's data, three trends stand out:

1. Digital tools are helping customers feel more in control.
2. Savings value is more than just rate.
3. Flexible finance is supporting affordability.

Reviews from real customers

Want to check ratings for a provider you're considering or leave your own review? Reviews on Smart Money People help you find out and share what it's really like to be a customer of financial services providers.