Tell us your top banks and cards of 2024

Help us crown the best – and worst – accounts for this year

Are you mad about Monzo, or just mad with them? Do First Direct come up first or last? Is Amex a card you’re avid about or one you actively avoid?

Well, now it’s your chance to let everyone know what you think about savings, current accounts and credit cards, whatever the bank or brand.

Using your votes, we’ll be able to reveal the good, the bad and the ugly for the last 12 months. 

Find out how you can do this and be in with a chance of winning a £250 prize!

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

What are the Be Clever With Your Cash 2024 Audience’s Choices?

Starting this year, we’ll be asking our readers, viewers, listeners and followers to tell us which personal finance products you rate, and which you don’t. We’re looking at three categories:

• Current Account
• Savings Account
• Credit Card

You can vote for your favourite and least liked products for all three, or just tell us about one – all the votes count.

Why vote?

For a start, everyone who takes part will be entered into a prize draw, with the winner picked at random receiving a £250 Amazon gift card. 

The more you vote, the more entries you’ll have into the prize draw – though you can only leave one review per product (good or bad). 

Terms and conditions apply, and we’ve listed these further down the article.

Plus, sharing your experiences and opinions will help others when choosing accounts and cards – whether that’s from individual reviews or our overall results. 

How to vote

To take part you’ll need to leave a review of a product at our sister site Smart Money People via the links below. If you do want to tell us about more than one account in the same category you’ll need to click the relevant link again.

• Best Current Account of the Year
• Best Savings Account of the Year
• Best Credit Card of the Year

• Worst Current Account of the Year
• Worst Savings Account of the Year
• Worst Credit Card of the Year

When you click through, you’ll be asked to leave a review and rate different aspects of the account. To do this you’ll need to

• Search for a company – this is the name of the provider, for example, Chase or Capital One
• Select a product – if the specific account isn’t showing, you can pick the closest one and add the exact name in your review
• Give your rating – you can leave a star rating out of five, and add how you think the provider performs for things like customer service
• Leave a review – tell us more about what you like and don’t like
• Verify your review – put your email address in so we know it’s not spam

Who you can vote for

As long as the bank, building society or lender offered a product in 2024, it’s fair game. 

Though it’ll no doubt be tempting to just shout out about the ones you love, it’s just as important to share those you’ve had issues with.

When does voting close?

We’ll need all your reviews by midnight on Sunday 8 December 2024.

When will the winners and losers be revealed?

We’ll announce the results in the weeks before Christmas on the site and on our YouTube channel.

What happens to my review?

Your review will appear on the Smart Money People website, where other people will be able to learn from your good and bad experiences when deciding which product is best for them.

Prize draw terms and conditions

The prize draw (the “Prize Draw”) is open to UK residents aged 18 and over.

If you’re under the age of 18, by entering the prize draw you confirm your parents or guardians have consented to your entry, and have read and understand the competitions’ terms.

Employees of Be Clever With Your Cash, Smart Money People or their family members, or anyone else connected with the Prize Draw, may not enter the Prize Draw.

Entrants into the Prize Draw shall be deemed to have accepted these terms and conditions.

To enter the Prize Draw you must leave an eligible review between 20 November 2024 and 8 December 2024.. Entries received after this time will not be eligible. No purchase is necessary. 

You may leave more than one review, but each review must be for a different product and/or brand. Each eligible review will qualify for an entry into the Prize Draw.

If you have any questions about how to enter or anything else about the Prize Draw, please email us at [email protected].

There’s one £250 Amazon gift card prize on offer. The Prize Draw winner will be chosen from a random draw of entries received. The draw will take place week commencing 17 December 2024..

The winner will be notified by email (using the details provided at entry) on or before 20 December 2024. If a winner doesn’t respond to Smart Money People within 14 days of being contacted, the winner’s prize will be forfeited, and Smart Money People may select another winner. If a winner rejects their prize or the entry is invalid, or in breach of these Terms and Conditions, the winner’s prize will be forfeited, and Smart Money People may select another winner.

The gift card prize will be transferred to the winners’ email account by Smart Money People within 14 days of the winner confirming they accept the prize.

The name of the winner will be available six weeks after the closing date and can be obtained by sending an SAE to Smart Money People Limited, Ebbisham House, 30 Church Street, Epsom, KT17 4NL. 

Unless otherwise stated, the promoter is Smart Money People Limited, Ebbisham House, 30 Church Street, Epsom, KT17 4NL.

Smart Money People reserves the right to amend or discontinue the Prize Draw at any time with or without prior notice due to reasons outside its control. The decision of Smart Money People in all matters under its control is final and binding, and no correspondence will be entered into.

The Prize Draw will be governed by English law and entrants to the Prize Draw submit to the exclusive jurisdiction of the English courts.