Smarter Savings Limited

Reference number: 912777

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No longer authorised

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Authorisation ended 28 March 2020.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • Last known website

    smarter-savings.com

  • Last known phone number

    0161 413 5006

  • Last known address

    Office 330, 60 Water Lane, Wilmslow, Cheshire, SK9 5AJ, United Kingdom

Also trades as 6 other names
  • MoniV
  • ootbob
  • OOTBOB.com
  • Overdraft
  • Overdraft.com
  • smarter-savings.com

Company details

From the company's Companies House record.

Company number
11985572
Company status
Active
Company type
Private limited company
Incorporated
8 May 2019 (7 years old)
Registered office
Office 330 60 Water Lane, Wilmslow, Wilmslow, Cheshire, SK9 5AJ, United Kingdom
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Current directors and secretaries

Name Role Born Appointed
Marc Robert Thompson Hull Director May 1989 8 May 2019
Stephen Edwards Director Apr 1974 20 Mar 2025
Richard Martin Smith Director Jul 1962 20 Mar 2025

Check on the FCA register → Report a scam →

Activities and protection

What the record covers, and how you are protected

  • The record is closed
    Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Smarter Savings Limited FCA authorised?
No. Smarter Savings Limited (FRN 912777) is still listed on the FCA register, but the record is closed: no longer authorised.
Is my money safe with Smarter Savings?
Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with Smarter Savings has no cover, because it is no longer permitted to carry it out.
Is Smarter Savings a scam or clone?
Smarter Savings is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.
What is Smarter Savings's Firm Reference Number (FRN)?
Smarter Savings's FRN is 912777. You can verify it on the FCA register.