Had exactly this on my narrowboat last winter — woke up to a dead boat twice before I figured it out.
The culprit in my case was low-temperature cutoff on the BMS triggering during early morning dips, not an actual cell-level fault. The Victron Smart Lithium has a built-in low-temp disconnect that kicks in around 5°C by default to prevent charging damage. If your charger (shore power, alternator, solar — anything) is still pushing amps into the battery when the cells drop below that threshold overnight, the BMS protects itself by tripping.
Worth checking a few things:
- VictronConnect app → look at the battery history log. It'll show you whether it's a low-temp event or an undervoltage/overcurrent trip. These are very different problems with very different fixes.
- Are you running a Victron Battery Protect or relying solely on the Smart Lithium's internal BMS? The latter will disconnect everything including loads, which explains waking up to a dead system.
- What's your ambient temperature in the battery compartment? On my boat the bilge drops well below air temp when we're moored with no heating running.
My fix was fitting a small battery box with a 12V heat mat (thermostatically controlled, draws almost nothing) and setting it to maintain 8°C minimum. Problem completely gone since.
Also check your BMS isn't flagging a cell imbalance — cold temperatures exaggerate imbalance, so a borderline cell that looks fine at 20°C can trip the BMS at 3°C.
What temperatures are you seeing and what does the history log say? That'll narrow it right down.