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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%
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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)

A straightforward, intuitive user experience

5
Setting up my account was really straightforward, the user experience was excellent and the prompts were very easy to follow. Reviewed on: 26th January 2024
Tristan C's avatar
Tristan C

Pauls Review

5
Just easy, no hassle and a breath of fresh air in setting up a savings account Reviewed on: 26th January 2024
Paul G's avatar
Paul G

Very good generally, but one disappointment

5
The big plus with SmartSave is the very competitive interest rates offered across a wide range of fixed term bond periods. The website is easy to use and online account applications are quick and easy. The big negative, which I was really surprised about, was SmartSave's policy of only allowing one account per customer, even if the amount held is under the FSCS threshold. When I called I was told it was to protect my funds, ensuring my total balance held withSmartSave was less than £85,000. I must say that I have several fixed rate savings bonds held with a number of banks, and they all allow me to hold multiple accounts. Most depositors are savvy enough to understand the FSCS limit, and SmartSave could easily introduce an alert if that total was approached. Reviewed on: 26th January 2024
Chris G's avatar
Chris G

The best interest rates on the market and excellent...

5
The best interest rates on the market and excellent customer service. Reviewed on: 26th January 2024
Sharon P's avatar
Sharon P

excellent service and clear information

5
excellent service and clear information Reviewed on: 26th January 2024
Sarah's avatar
Sarah

Decent service simple and easy to use

4
Decent service simple and easy to use Reviewed on: 26th January 2024
Arran Ratna 's avatar
Arran Ratna

Excellent communication and clear usable website.

4
Excellent communication and clear usable website. Reviewed on: 26th January 2024
Sara FP's avatar
Sara FP

Easy to administer.

4
Easy to administer. Good value for money. Reviewed on: 26th January 2024
Angela's avatar
Angela

attractive interest rate fixed bonds

4
attractive interest rate fixed bonds Reviewed on: 26th January 2024
Cynthia L's avatar
Cynthia L

Good communication and well laid out

5
Good communication and well laid out site and information on accounts. Reviewed on: 26th January 2024
Tegwen M's avatar
Tegwen M

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