Smart Money Cymru Community Bank was founded in 1989 and is a member-owned mutual society that provides finance and savings accounts to those living in Wales. Smart Money Cymru is committed to improving the financial wellbeing of those living in and around the local communities it operates in, so provides credit at fair rates of interest, with members able to apply for loans of up to £15,000 (dependent on personal circumstances) and promotes healthy savings habits-particularly whilst repaying loans.