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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%
See only 2 star reviews
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)

So straight forward

5
So straight forward and easy to use and transfer funds Reviewed on: 30th January 2024
Maria's avatar
Maria

Good competitive rate easy to access.

4
Good competitive rate easy to access. Reviewed on: 30th January 2024
Colin Townsend's avatar
Colin Townsend

Ruthless outfit

1
Their attitude to fixed rate accounts is very inflexible. In these uncertain times of high inflation post covid I expected them to be more sympathetic to pensioners with fixed incomes who committed to five year fixed rates Reviewed on: 30th January 2024
David F's avatar
David F

Use them based on competitiveness of savings rates

3
Use them based on competitiveness of savings rates Reviewed on: 30th January 2024
R J's avatar
R J

Easy to open account with accessible website.

5
Easy to open account with accessible website. Good rates of interest Reviewed on: 30th January 2024
Grace Boxer's avatar
Grace Boxer

Overall a good experience

5
Easy to open accounts. Information provided during term of fixed interest rate investment. Withdrawal at term has been easy so far. Reviewed on: 30th January 2024
Stephen T's avatar
Stephen T

A Smart way to Save

5
This is my second year with SmartSave. I carried over my investment because I couldn't fault my experience. Clarity of information. Ease of opening and accessing online account. Great interest rates! Reviewed on: 30th January 2024
Jacqueline's avatar
Jacqueline

Setting up ISA’s

4
Generally easy to set up two ISA’s one for my wife the other for me. However we had just set up a new joint bank account with Santander and one of our deposits (can’t remember which now) was rechecked as the validity of the bank account couldn’t be checked. I didn’t get a satisfactory answer as to why this was the case. All was eventually resolved satisfactorily. Reviewed on: 29th January 2024
Bruce H's avatar
Bruce H

Approachable, easy to use, hassle free

4
Hassle free, easy to use. Not found any issues with it. Reviewed on: 29th January 2024
Rick C's avatar
Rick C

Nice interface, swift transactions, & competitive rates

5
I really like the interface of the website, and it is very easy to navigate. Transferring money is very quick, which is excellent and important to me, and SmartSave offer very competitive rates on their saving products. Reviewed on: 29th January 2024
Jonathan B's avatar
Jonathan B

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