Smart Money Cymru is a Community Bank offering financial services to the people of Wales. Compared to a high street bank, our values, mission and visions are very different. We’re here for the community of members who are part of Smart Money Cymru, to help them save or borrow money, and to be smarter with their financial decisions.

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.

More than anything, we have our community at the core and heart of everything we do. Unlike your high street banks, you can contact us either on the phone, email or at our branches and discuss your finances with a friendly customer advisor. Over time, you’ll probably get to know the team!

Staff outside Caerphilly branch

We also launched our Nivo app in January 2022, so members can open accounts, apply for loans, manage their savings and speak to the team, without leaving the comfort of their homes. Contacting Smart Money Cymru through Nivo is fast, it’s secure and it’s convenient. The app is linked to any mobile device with a personal PIN. Every message that you send is encrypted to keep your personal information secure from hackers and fraudsters.

Download the Nivo app to your phone by searching Nivo on either the Google Play Store (Android) or the Apple Store (iPhone) or clicking on the link below


Contact Us via Nivo