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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (7488 reviews)

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4.94

Based on 7,488 reviews, last reviewed 26th Jan 2026

30000% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Zopa is simply one of the best Zopa has very friendly and money saving products. Reviewed on: 26th January 2026

Latest lowest rating:

1

Very poor customer service. The financial product is as good as any other financial provider, however, their customer service is appalling. You get cut off or passed from person ... Read more Reviewed on: 17th November 2025

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About this product

Zopa Bank have an instant access savings account called Smart Saver.

Smart Saver can be opened with just £1 and you can split your savings into personalised pots using the Zopa Bank app. You can save up to £250,000 across Smart Savings Hub pots.

Zopa Bank Smart Saver account reviews help you find out what it’s like to be a customer. If you’ve used Zopa Bank before, you can also leave a review and share your experience.

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Zopa Smart Saver reviews (7488)

Excellent product and service

Easy to use, best rate of return Reviewed on: 11th January 2023

Really good rates and super easy to use!

Love the Zopa app and the smart saver product. It is super simple to use, boosted pots are amazing. Quick to top up and withdraw funds. Highly recommended!! Reviewed on: 11th January 2023

Savings

Best instant access saving rate Reviewed on: 11th January 2023

super quick to up interest rates

Zopa suits our needs the ability to split savings into pots with different interest and notice periods is brilliant. account easy to open. I have never experienced problems with Android app . Zopa are super quick to adjust rates following BOE changes. Would highly reccomend Reviewed on: 11th January 2023

Great tiered savings

Great to find Zopa, I didn't realise the Smart Saver had the option of the tiered rates for 'boosted pots', all transfered simply from the Primary amount. Each pot can be locked away for either 7, 31 or 95 days, brilliant idea, all in one place too! And they have a decent rate on their 1 year fixed bond (4.1%). So easy to open the app and get set up. Thanks Zopa! Reviewed on: 11th January 2023

Great app & savings rates

Manage and access you money easily using their app and great savings rate too. Reviewed on: 11th January 2023

Easy to set up and app works perfectly

Using their app is an absolute pleasure. Depositing money is very easy, rates are the best in the market and setting everything up is super quick. Reviewed on: 11th January 2023

User friendly, great interest rates

Zopa's Smart Saver is a great product. It's easy to move money in and out. The different pots, with interest rates relating to notice period are brilliant for locking away some money, while keeping other funds within easy access. Reviewed on: 11th January 2023

Best saving account out there

Can not fault. Absolutely brilliant, very competitive savings rate. Good interface app Reviewed on: 10th January 2023

Notice Accounts for the Masses

Finally, a bank which has made notice accounts modern - no longer a fusty old product! Thanks Zopa. Reviewed on: 10th January 2023

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