Smart Accounts for a Smarter Future

SSV SmartAccount is a secure, intelligent banking* platform for individuals and businesses. Enjoy real-time access, simple management, and earning interest with up to 3.00% AER (variable) on savings and 1.50% AER (variable) on current accounts.

Open Account
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*Powered by Griffin

About SSV SmartAccount

SSV SmartAccount brings modern, transparent, and efficient money management to your fingertips. Whether you’re a small business, a sole trader, or an everyday consumer, our mission is to help you save more, manage better, and grow faster – all from one trusted digital platform.

Key Features

Fast & Simple Onboarding

Open your account in minutes.

Powered by Griffin

Secure, compliant, and trusted financial infrastructure.

Business & Personal Banking

One app for every need.

3.00%*

Interest on Easy Access Savings

move funds easily and watch them grow

1.50%*

Interest on Current Accounts

earn while you operate

*Rate shown is the highest variable Annual Equivalent Rate (AER) available and applies only to balances within the applicable tier. Interest is calculated daily and paid monthly. Rates are variable and may change in line with the Bank of England base rate. Tier thresholds, eligibility criteria and full terms apply. Bank accounts are provided by Griffin Bank Ltd (“Griffin”). Griffin is a company registered in England and Wales (No. 10842931). Griffin is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Griffin’s firm reference number is 970920.

Download from Apple App Store
Download from Google App Store

Start managing your money the smarter way today

It’s the quickest way for any UK-based sole trader or small business to start accepting payments. Bank accounts are provided by Griffin. Download the app and register in under two minutes to start getting paid!

Open Account
Download from Apple App Store
Download from Google App Store

Start managing your money the smarter way today.

Quick 5-Minute Registration
Enjoy Your First 7 Days With Free Payments
No Hidden Fees Or Lengthy Contracts
Tools To Enhance Efficiency, Including Tips, And More
Open Account

Supporting All Major UK Banks

Frequently Asked Questions

Email us at info@ssvsmartaccount.co

SSV SmartPay is a convenient way for anyone in the UK to pay in stores using their own bank app. It functions like an instant bank transfer, eliminating the need to enter sensitive card details.

SSV SmartPay allows customers to pay your business directly from their UK bank app. It is fast, secure, and more cost-effective than traditional card payments.

  • Scan QR Code / Enter Phone Number / Enter User ID / Click Request Link: Customers choose one of these options to initiate the payment.
  • Confirm in Bank App: They will be redirected to their bank app to confirm the payment.
  • Done!: The money is sent instantly to your business.

Customers can pay using SSV SmartPay in the following ways:
 
1. Scan a QR Code:
   – Scan the SSV SmartPay QR code in-store.
   – Confirm the payment in their bank app using face or fingerprint recognition.
   – The payment is completed instantly.
 
2. Enter Phone Number:
   – Enter the phone number registered with SSV SmartPay and the payment amount.
   – Redirected to the bank app to confirm the payment.
   – The payment is completed instantly.
 
3. Enter User ID:
   – Enter the unique User ID associated with SSV SmartPay and the payment amount.
   – Redirected to the bank app to confirm the payment.
   – The payment is completed instantly.
 
4. Use a Payment Link
   – Receive a secure payment link via text, WhatsApp, email, or invoice.
   – Tap the link to open the payment in a browser.
   – Redirected to the bank app to confirm the payment.
   – Funds are received within seconds.

No, SSV SmartPay does not support credit card payments.

Yes, SSV SmartPay payments are highly secure, even more so than card payments. Here’s why:

  • No Card Details Shared: Payments are made directly from your bank app, so card details are never exposed.
  • Strong Biometric Authentication: Payments are approved by the bank and confirmed with face or fingerprint ID.
  • Secure Networks: We use the UK government’s secure Faster Payments and Open Banking networks.
  • Safe Funds: Your bank manages all funds directly; SSV SmartPay never holds or touches your money.

SSV SmartPay eliminates fees from networks like Visa and Mastercard by allowing direct payments from bank accounts. This results in:

  • No Card Fees: Avoid high fees charged by card networks.
  • Instant Payments: Money is transferred directly from the customer’s account to yours.

This efficiency can save you up to 70% compared to traditional card payments!

  • Find the App: Search for “SSV SmartPay Merchant ” in your app store or play store.
  • Or Click Here: Click the sign-up link at the top right of this page.
  • Get Started: Enjoy your first calendar month of free transactions when you sign up!

We make billing simple and transparent:

  • Monthly Invoices: Receive a detailed invoice at the end of each month.
  • Instant Payouts: Get full payment amounts as soon as customers pay, improving cash flow.
  • No Hidden Fees: The price you see is what you pay.
  • Low Fees: Fees are capped at 0.5% per transaction.

With SSV SmartPay, you can focus on running your business, not managing payment fees.

First 7 Days Free

What Our Customers think

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