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SmartSave: Savings reviews

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4.77
Based on 2,549 reviews, last reviewed 22nd Jan 2026
200% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
82%
See only 4 star reviews
15%
See only 3 star reviews
2%
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0%
See only 1 star reviews
1%

Latest highest rating:

5

Invested fixed savings . Invested fixed savings . Carried forward to next year due to interest rate and feel good factor Reviewed on: 22nd January 2026
Sheila C's avatar
Sheila C

Latest lowest rating:

2

No Joint or old accounts No Joint accounts allowed no transfer in from old established accounts Reviewed on: 6th February 2024
Jim S's avatar
Jim S
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About this product

SmartSave offers a fixed term saver account that provides customers with a secure and reliable way to save money, offering fixed interest rates over specified terms. This account is particularly noted for its competitive interest rates, such as a 1 Year Fixed Rate Saver with a 5.16% interest rate on savings up to £85,000.

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SmartSave Savings reviews (2549)

Easy, reliable and clear

5
Setting up the account was easy online. Paying in was quick and the rates are very good. And nice to see a bank based in Wrexham. (my hometown) Diolch Reviewed on: 7th March 2023
Petroc's avatar
Petroc

Great Interest rates from Smart Save

5
After years of being ripped off with minute interest rates from mainstream banks, I finally found a trustworthy home for my hard earned savings. Smart Save gave me an exellent interest. Reviewed on: 7th March 2023
Sylvia White's avatar
Sylvia White

How I leaned to be a Smart Saver

5
Realising that a name previously unknown to be (but was still FCA-protected ) was offering deals far better than High Street Banks/ Bldg Societies to which I'd been loyal for years. Reviewed on: 7th March 2023
FaN's avatar
FaN

Best fixed term rates on the market

5
I always like to get the maximum return with a bit of security so I always research best rates extensively before investing. Smartsave have always delivered some of the best rates on short term fixed rate savings and they are so easy to use. I have never had any issues, always found them easy to use and been a customer for many years. The only negative is that sometimes I've missed the 'window of opportunity' and the account has closed before I had time to invest! Reviewed on: 7th March 2023
Karen from Berkshire's avatar
Karen from Berkshire

Nice experience

4
Everything is good they do excactly what they say they will do Reviewed on: 7th March 2023
Derek walklate's avatar
Derek walklate

Great interest rate

5
I admit I hadn't heard of SmartSave before but they are covered by the FSCS guarantee so I went ahead. The process was quick and easy and the facts are concise and clear. Reviewed on: 7th March 2023
Catherine Glenister's avatar
Catherine Glenister

Excellent

5
Excellent, but unfortunately are limited to one account Reviewed on: 7th March 2023
H.S.Heir's avatar
H.S.Heir

Excellent Organisation

5
Set up an account with SmartSave in 2023. Easy to navigate website, excellent rates available and overall good experience. Reviewed on: 7th March 2023
Jane's avatar
Jane

No Brainer

5
Probably the best interest rates in the stratosphere! Reviewed on: 7th March 2023
Paul Fearon's avatar
Paul Fearon

Best rate

4
The account had the best 1 year savings rate at the time. All fine so far. Reviewed on: 7th March 2023
Mr F's avatar
Mr F

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