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Saving and lending to each other ethically and responsibly

We want to empower our members and our communities, and we do this in many different ways. We provide affordable loans and financial resilience with a range of saving accounts, working with stakeholders across Wales, providing financial education and supporting and donating to good causes.

What is a community bank?

How much can you borrow?

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Term in months

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Representative APR

Annual rate

42.6%

Monthly Repayments

On 12 monthly repayments

£100.46

Loan amount

£1000

Total cost of credit

£205.52

Product

Standard loan

Total due

£1205.52

Fast Service

I applied and was sorted very quickly by Abbie, have no faults at all a great way to save and interest rates are amazing. Much better than door step pay day loan companies. Abbie was very helpful, was sorted very quickly and efficently thank you very much.

5*

Trustpilot Review

Been with SMC since 2016

Been with these guys since 2016 and I've always had such a great experience with them. Extremely helpful and friendly! Being able to have a loan and save at the same time is a blessing itself. Once my loan is paid back I'll have a lovely amount of savings that I can either spend or I can keep saving. It's a very good investment as you're gaining even while paying off the loan. Top marks from me!

5*

Trustpilot Review

Amazing Service

Thank you Smart Money Cymru. I cannot fault the service I received from Abbie (Caerphilly branch). The application was easy step by step online, seconds after I submitted the application Abbie telephoned and explained the next step. Ten minutes later she called back to say my application was successful and that I would receive the funds the same day. Amazing service.

5*

Trustpilot Review

Saving & Borrowing

I’ve been saving with SMC for over a year now and I’ve recently arranged some lending through them. Abbie was exceptionally professional, assessed my case taking into consideration all evidence supplied and turned my loan around within a couple of hours. I’m extremely grateful for the guidance SMC has provided me.

5*

Trustpilot Review

News & Blog

10 May 2022

Mark White CEO of Smart Money Cymru Community Bank explains why saving with the organisation is both safe and rewarding……

07 Mar 2022

10 reasons to become a member of Smart Money Cymru

14 Feb 2022

How to use the new Smart way to buy for your home

Want to join?

Smart Money Cymru is the fastest growing Community Bank in Wales, and if you live in Wales, you can join us today!

Join us today

Welcome to Smart Money Cymru Community Bank

Download Nivo today-the smart way to manage your finances

Start Saving Today

Apply for a Loan

Buy Smart Goods

Message Us

Join Us Today

Saving and lending to each other ethically and responsibly

How much can you borrow?

Calculator results

Representative APR

Monthly Repayments

Fast Service

5*

Trustpilot Review

Been with SMC since 2016

5*

Trustpilot Review

Amazing Service

5*

Trustpilot Review

Saving & Borrowing

5*

Trustpilot Review

News & Blog

Money Saving Tips for Your Garden

Vacancy: Customer Advisor, closing date May 20th 2022

Our top 5 tips to save money this May

Mark White CEO of Smart Money Cymru Community Bank explains why saving with the organisation is both safe and rewarding……

10 reasons to become a member of Smart Money Cymru

How to use the new Smart way to buy for your home

Want to join?

Get in touch with your local branch today