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.

Website, phone number and address

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

In the full report: 3 background checks

  • When smarter-savings.com first appeared online, and whether it can receive email
  • What kind of line 0161 413 5006 is
  • Who else gives the postcode SK9 5AJ
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Other names (6)

If you were contacted under any of these names, it is this firm.

  • MoniV Trading name
  • ootbob Trading name
  • OOTBOB.com Trading name
  • Overdraft Trading name
  • Overdraft.com Trading name
  • smarter-savings.com Trading name

Past FCA permissions and consumer protection

  • 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.

FCA disciplinary action and complaints

No FCA disciplinary action. The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

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)

Directors and company secretaries

Name Role Born Appointed Other companies
Marc Robert Thompson Hull Director May 1989 8 May 2019 2 other companies
Stephen Edwards Director Apr 1974 20 Mar 2025 None
Richard Martin Smith Director Jul 1962 20 Mar 2025 1 other company

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£12.4k

+2.3% from £12.1k

Cash at bank

£6,276

+393% from £1,273

Employees (average)

2

−33% from 3

Owed within a year

£24.0k

−11% from £26.9k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11985572. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Smarter Savings’s history from the FCA register and Companies House, newest first.

Key events (9) All events (20)

2026

4 August 2026

  • Alexander Stuart Fraser stopped being a part-owner

Companies House

2024

30 July 2024

  • No longer regulated by the FCA

FCA register

2020

28 March 2020

  • Regulated by the FCA from this date
  • Changed its registered name from "Smarter Savings Limited"
  • Status on the FCA register became "Cancelled - RAISP"

FCA register

2019

8 May 2019

  • Incorporated at Companies House
  • Alexander Stuart Fraser became a part-owner (25–50% of shares)
  • Marc Robert Thompson Hull became a part-owner (25–50% of shares)
  • Stephen Edwards became a part-owner (25–50% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Smarter Savings

Other FCA-listed firms that share a director, phone number or address with Smarter Savings. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Smarter Savings

Other firms of the same type (payment or money transfer firm), nearest first.

In the Stockport (SK) postcode area

Acquired LimitedCheshireAuthorisedCabCard Services (UK) LimitedStockportRegisteredOptimus Pay LimitedStockportRegistered

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Smarter Savings

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 20 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

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 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.
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.
Who owns Smarter Savings?
Companies House lists 2 people with significant control of Smarter Savings: Stephen Edwards (25–50% of shares) and Marc Robert Thompson Hull (25–50% of shares). Before that, it was controlled by Alexander Stuart Fraser.
Who runs Smarter Savings?
Companies House lists 3 directors of Smarter Savings: Marc Robert Thompson Hull, Stephen Edwards and Richard Martin Smith.
How long has Smarter Savings been in business?
The company was formed on 8 May 2019.
What do Smarter Savings’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £12.4k (+2.3% from £12.1k) and cash at bank of £6,276 (+393% from £1,273).
Does Smarter Savings use any other names?
It trades as MoniV, ootbob, OOTBOB.com, Overdraft and Overdraft.com, and 1 more names.

Sources and links

The full report on Smarter Savings Limited

£19.99 · Instant PDF download

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