Savvy Benefits Card
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Savvy Benefits Card Review – What is it? Is it a Scam? And How to Cancel

I was recently doing some research for a post I’m writing about catalogues for people with bad credit when I came across an unflattering website called savvy benefits card.

From my initial observations it looks like they’re offering some sort of online ‘club’ where you pay a joining fee and a monthly fee thereafter to be a part of it. Exactly what you get from this membership isn’t clear, but I am going to dig deeper to find out. I have a bad feeling.

I went ahead and tried savvy benefits club so you don’t have to. Keep reading.

What is Savvy Benefits Card?

Savvy Benefits Card is, according to their website, an online savings club offering massive monthly savings on your bills, discounts on the high street and access to a credit line of £2,500 without credit checks which can be spent on the UK Shopping Club website.

Here’s what they claim to offer their club members:

  • Savings of £1,800 a year on household bills
  • £2,500 credit line with no credit check
  • Discounts at over 200 high street stores
  • 70% OFF your monthly food bill
  • Guaranteed mobile phone contract with no credit check

My Savvy Benefits Card Review

Upon landing on their website I was instantly sceptical and thought “SCAM!”.

I didn’t really want to proceed any further but I thought I should sign up for the benefit of my readers and all of the potential vulnerable people out there who this site and its claims could take advantage of. And so I did. And was instantly charged a first payment of £29.99 by them.

Upon logging into their online portal I couldn’t help but notice how poorly designed the whole system was. Broken links, dead pages and disappointment everywhere.

Let’s address each of their ‘benefits’ one by one…

Savings on household bills, or even savings in general

In the sidebar of the portal there are a number of links to different categories where you can apparently find savings and discounts, but when you click on these it takes you to a different website of theirs that looks like it was created by my 3-year-old son, Marty.

To add insult to injury my savvy benefits card login didn’t work on this website, and the forgotten password link didn’t actually send me anything. It’s broken, or more likely never created.

No savings or discounts to be found anywhere. I’m feeling like a mug now.

£2,500 credit line to spend on UK Shopping Club

Damn – £2,500 to spend on whatever I want and they’re not even going to credit check me. Living the dream or what! The link to this imaginary credit line from the portal did work, however the website looks terrible. Missing images, limited information and lack of products.

And guess what happens when you actually try to place an order? That’s right, they want to take some money from you right away. So much for that amazing credit line, huh? Shocking.

70% OFF your monthly food bill

I’m not going to lie, this one did make me laugh out loud a little.

They provided a link to Approved Food (a great company by the way) to offer this saving on your monthly food bill. And it was an affiliate link, to make even more money from you.

Guaranteed mobile phone contract 

This offer appears on what seems like almost every page load as a pop-up (annoying) offering a guaranteed mobile phone contract with any of the latest phones. And no credit check.

Again, this is another affiliate link to a company called Sunshine Mobile, who also own The Yes Network, to make even more money from you. From what I have read these companies do actually provide you with mobile phone contracts without credit checks.

They also have some horrendous reviews over on TrustPilot. Check them out.


To conclude my review, it’s easy to see that Savvy Benefits Card is a complete scam designed to take advantage of people with bad credit and struggling financial situations.

DO NOT go near this company. Don’t give them your money and don’t sign up for anything they refer you to. There are better ways to save money and none of them require you to a member of an imaginary club. If you have signed up, read below to cancel your account and get a refund.

Cancellation / Refund

You have a right to cancel and close your savvy benefits card account without reason and request a full refund within 14 days of your first payment of £29.99 to them.

Email to cancel:

Phone number to cancel: 08081012206


  • Reply
    Kim Franklin
    March 19, 2019 at 7:10 am

    The email address doesn’t work and they are very rude on the phone I cancelled this before they even took the 29.99 and they still went ahead and took it.

    • Reply
      Marty Rogers
      March 19, 2019 at 9:40 am

      Hi Kim,

      Thanks for your comment.

      I had to call them to cancel, too, and can agree that they are quite rude on the phone. I don’t recall seeing the initial charge returned to my card either, I will have to have a look. One has to wonder how many people have been tricked into signing up for Savvy Benefits. It’s so sad.


  • Reply
    Neisha Cohen
    March 20, 2019 at 12:55 am

    What can i say the customer service im shocked all because i was ringin up for my refund she got rude and called me a bitch and hung up never in my life have i been spoke to like that! Someone needs to close their business down

    • Reply
      Marty Rogers
      March 25, 2019 at 9:09 am

      That’s really terrible – shame on them!

  • Reply
    Andrea Dixon
    March 22, 2019 at 11:06 am

    I’ve just been screamed at down the phone by what i can only describe as a vile human she threatened me and said your account is cancelled don’t ever phone again just in process of my bank stopping payments as nothing gone out yet

    • Reply
      Marty Rogers
      March 25, 2019 at 9:11 am

      Yes I’d mention it to your bank just in case as I’ve heard a lot of stories of them continuing to take payments from people. Terrible behaviour from their supposed customer service team.

  • Reply
    Rikki Schultz
    March 28, 2019 at 9:02 pm

    They didn’t warn me about the 29 pound being taken and the email address doesn’t work, site is full of broken links will have to ring up and cancel this clear scam

    • Reply
      Marty Rogers
      March 29, 2019 at 9:35 am

      I saw no mention of it either until digging into their T’s and C’s. Got to wonder how many people are falling for this thing, right? Crazy.

  • Reply
    March 31, 2019 at 5:30 pm

    Hi I joined up with savva about a month ago and all I can save on in my area is meals on wheels. I can’t believe I have payed £45 already and am unable to use the card at all.

    • Reply
      Marty Rogers
      April 1, 2019 at 11:55 am

      Not surprised, Karl – I’d suggest cancelling ASAP!

      • Reply
        Joanne Winter
        June 8, 2019 at 5:38 pm

        Hi marty

        Ive got one of their cards sitting up on my chest of drawers but im scared to use it.

  • Reply
    David James
    April 7, 2019 at 11:49 pm

    Unfortunately this is a complete scam, anyone who is a unfortunate victim of this site I advise you with haste to call your bank and ask them to block savvybenefits taking any more money from your account, this will at the very least stop you being robbed of anymore money, and also call the disputes team at your bank and get them to investigate the scam with savvybenefits, this will hurry things along with a refund for those unfortunate enough to have become a victim of this scam.

  • Reply
    Daniel Balderstone
    May 7, 2019 at 12:41 pm

    i was tricked into signing up i had a gut feeling that it was too good to be true but fortunately they didnt manage to take the money from my account because there was nothing in the account at the time and they havent tried to take the money again so i am hoping i dont get a supprise payment go out to them, this was over a month ago i just wish i saw this before i actually signed up

  • Reply
    Sinead Birkinshaw
    May 7, 2019 at 3:11 pm

    I have dealt with this company recently they set up two accounts in my name and took money twice I emailed twice no reply phoned and the customer service was shockinly bad.. Like wow!

  • Reply
    May 9, 2019 at 11:45 am

    wow! Marty thanks so much! I am struggling financially at the minute and have just been within seconds of sending these guys my bank card details! i was completely unaware that they would immediately take £30 which is my food money for the next 11 days! thank od I seen your review in time!
    L x

  • Reply
    Mohamed Miah
    June 11, 2019 at 11:07 am

    they nearly scammed me, I am in need of credit and they tring to make me poorer than I already am, thanks for these reviews and this page, I am glad I come accross this page before committing or signing anything, I thought it was to good to be true,

  • Reply
    Ellie Hallmark
    June 14, 2019 at 2:33 pm

    So glad ive read your info and all the reviews! Savvy are spamming my inbox, so i looked into it. I read all the terms and conditions and still, i was bemused and unclear about what they are offering. After reading this, they will now, most definately be blocked.
    This company (and i use that term very loosely) should be closed down immediately as its clearly a huge fraud. Its disgusting to take advantage of pepple already struggling.
    Thanks so much for your write up, and for saving me from these parasites

    • Reply
      Ian Campbell
      September 22, 2019 at 3:45 pm

      Dont touch with a barge pole.I tried to cancel my card on the phone but got a discontinued tone ,e mail dosnt work,I have put a stop on my bank account but money has been taken, how can I get my money back? Any answers people

  • Reply
    June 20, 2019 at 11:24 am

    Shocking with customer service when a cancelled screaming down a fone at me still not refunded my £35 absolutely shocking

  • Reply
    Angie S
    June 30, 2019 at 8:57 am

    I’m glad I read this now. I was offered a savvy card the other day though I was rather sceptical when they asked for a sign up fee then £19.99 a month for membership fees.
    I knew it sounded to good to be true and after reading your article I know it is!

  • Reply
    philip evans
    July 7, 2019 at 3:58 pm

    like a fool i gave my details before deciding to check them out,i have immediately notified my bank to stop any withdrawals.

  • Reply
    July 9, 2019 at 8:08 pm

    I needed a payday loan as I had £3 to my name. After doing some searching and deciding on one the next thing I see 2 days later is “savant0808..” had taken £34 from my account. I immediately contacted my bank to claim it as fraud. Claim you know nothing about it otherwise they’ll say it’s in the t and c’s. I can only imagine they pick up your details from sites that claim to find the best loan for you because I was certainly never anywhere near this website.

  • Reply
    July 12, 2019 at 12:45 pm

    I also rang up today as was unaware of what I’d signed up to due to my disabilities I struggle to understand and read things properly. So I asked for a refund and cancellation and was met with what I can only describe as vile disability discrimination and abuse… She had told me that my disability are not valid and she doesn’t care, that I should be in full time care and not allowed to be in control of my life… So I rang again and was met with the same woman and same rudeness but was told I’d be issued a refund and my accounts been cancelled if I can believe that

  • Reply
    kenneth scully
    July 18, 2019 at 2:28 am

    I have tried several times to cancel both by telephoning and by e- mail,but they seem reluctant to cancel as I have just received a e-mail back asking for details of the shops that don’t give discounts which are on their list which supposedly do.e -mailed them to inform them that their are to many to list.hope this is effective,but I doubt that it will.visited my bank who just refered me back to savvy as apparently the bank cannot cancel point of sale transation only the company. I will writte to savvy which is based in the channel islands and com under the name of savant. any other advise any one can supply me with to get this company out of my hair I would be most grateful for my e-mail is

    • Reply
      Wendy Belward
      November 11, 2019 at 7:05 pm

      Bank can cancel POS Kenneth the law was changed in 2012 i believe and as I have instructed my bank to cancel and they also returned the money the company took from me.. So please be aware that the bank does cancel these now.

  • Reply
    July 31, 2019 at 10:10 am

    I have recently had the same problem looking for aloan and ended up with this company who have tried to take 34.99 from my account luckly in this instance im maxed out so they could not take it. I have emailed them this morning so lets see what happens…

  • Reply
    Jade Avilez
    August 2, 2019 at 10:08 am

    I made the mistake of signing up to this, I emailed the email given to cancel it and the email doesn’t exist.

  • Reply
    August 10, 2019 at 4:03 pm

    Marty your an amazing person to do all of this . I was about to sign up with them as having money worries and you saved my backside BIGTIME x thank you for doing what you do it’s appreciated so much xxx

  • Reply
    August 14, 2019 at 9:43 am

    I too was scammed, I was looking for a loan, refused due to bad credit rating and then saw on my bank statement “savant0808” had taken £34.99 I am now trying to get it back through the bank. I think I will also contact Trading Standards

  • Reply
    . Michael allen
    August 16, 2019 at 12:31 pm

    I too fell for it…. Paid the initial fee, heard nothing since, this was 2 ago… On looking them up, I have now cancelled and getting my deposit back…. STAY AWAY FROM THIS COMPANY UTTER SCAM

  • Reply
    Emma LewisAzayear
    August 25, 2019 at 6:50 pm

    Thanks ever soo much my husband are both vunrable as it is a person we let into our flat because we thought had changed. Simply we we’re so wrong about him. He kept taking our money. Food and key so glad about savvy card warning not going to make another mistake or loan company been there done that with who I thought they we’re llyods bank but they werent. So my question is any better suggestion than landing into another scam my Dad works in a bank he, all kill me if he found out thanks for saving a wasted journey.

  • Reply
    wendy peters
    August 31, 2019 at 8:11 pm

    Ditto ! Have also fallen into trap today,would you you believe it .they have actually taken £34.98 + 01p(to test the water) obvious ly my mistake in being too naive however have contacted my bank and placed a block on any further payments being taken.Would be very interesting to know if any “victim” has had any redress at all ,I did manage to get through to a number earlier but the “Asian”man I spoke to claimed to have no knowledge of my enquiry and rudely informed me I had the “wrong number”.So lets see shall we .

  • Reply
    September 6, 2019 at 2:51 pm


  • Reply
    Michael Lewis
    September 19, 2019 at 9:56 am

    Like many on here, was just searching for a loan to help pay unexpected car repair bill, some how I got set up with these con artist, I didnt even agree to anything, and came off soon as I saw what it was, and to show how bad it was, they was sending me emails to confirm my membership, to make matters worse a few days later, it goes on my account £34.99, i am like wha the hell is that, I never agreed to anything.
    Phoning them up was a joke, I gave up in the end and emailed them to demand answers and cancel any membership and demand payment back, I got reply saying membership cancelled and refund 3-5 days, I have a feeling that is not going to happen.
    I have since continued to contact them, but no replies to emails, and phoning them is a waste of time.
    I have been looking around and I have seen many people offered refunds, but after 7-8 days still nothing, so looks like some how I have been conned and honestly fraudulently took money from my account.
    Forget the bank, i contacted them, and basically told my own stupid fault, despite telling them, i did not authorize payment, there saying it is a broker for a loan company, and they cant open fraud investigation and give me a refund.
    So folks, be careful out there.

  • Reply
    Angela said
    September 30, 2019 at 5:03 pm

    Can I just ask when this company open as it say Monday to Friday 9-5 but today is Monday and they are saying they are closed

  • Reply
    Ruth Barry
    October 8, 2019 at 8:23 pm

    They have scammed me, taken money out regularly and never been payed back… Rang and was shouted at?? No explanation allowed… Who are they???

  • Reply
    Andrew Coleman
    October 11, 2019 at 11:22 am

    I was a jammed by them I just rang and a American women answered and when I tried to talk she shouted and had a go at me.
    I’ve cancelled any future payments at the bank.

  • Reply
    October 11, 2019 at 11:07 pm

    Well…. Learnt my lesson hard way… Been charged, got nothing and while cancelling, been shouted at! They are just using people when they are most vulnerable. Scam!

  • Reply
    Dom Marley
    November 6, 2019 at 3:57 pm

    They don’t let me say what I want to say, they are just a bunch of fraudsters

    • Reply
      Dominic Marley
      November 6, 2019 at 4:02 pm

      Why have you taken money from my account, I don’t know what you are and certainly wouldn’t have signed up for anything. You think you can get away with it, wrong person I’m afraid.

  • Reply
    Janet Chapman
    November 21, 2019 at 9:48 pm

    Oh dear. I have done the same. My bank asked me about it and did i want them to pay it. Thank goodness! Cant cancel as email a scam. Not phoning to get shouted at. My bank wont pay so until they contact me im hoping nothing happens. I could kick myself!!!

  • Reply
    December 2, 2019 at 1:01 am

    I was applying for a loan and ended up getting put through to them without noticing and signed up on accident trying to cancel but still no response 😡

  • Reply
    Laura jane WHITWORTH
    December 11, 2019 at 2:31 pm

    Wow this company is the worst company and biggest scams I have ever come across. It is very misleading please stay away. I spoke their customers service department who were really rude, didn’t let me speak and them put the phone down on me. How they are still operating I do not know. BEWARE

  • Reply
    Christina Wrend
    December 12, 2019 at 12:52 am

    These somehow got a hold of my bank details & stole £39.98 from my bank!
    Luckly i spotted it and reported it as fraud to my bank & they blocked my card to stop them attempting to steal anymore money & put in a fraud claim!
    These scammers need shutting down

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