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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (7180 reviews)

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4.94

Based on 7,180 reviews, last reviewed 17th Nov 2025

100% decrease 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

Great bank and really good customer service and comp... Great bank and really good customer service and competitive rates Reviewed on: 7th September 2025

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.

Zopa Smart Saver reviews (7180)

Review of the Zopa, Smart Saver:

Terrible Customer Service

Zopa is a fine company if you want to put money in and get a nice return. However, dont try and contact the customer service on their portal - It is a complete nightmare. I used their own portal chat to ask them why there is no difference between a 95 days interest rate and a 30 day interest rate - nothing that would break ANY security or confidentiality rules. They kept coming back asking for last 4 numbers of paying in bank, wanting full names etc. Absolute BS. What is wrong with saying our interest rates are the same because of . . . . instead of all the running around. Jobsworth and incompetence comes to mind. I have already given notice to withdraw 95day savings and will also be giving notice on the 30day and 7 day savings and move to a company that can at least answer simple questions. 30.03.23 _ additional. It now appears as though the notice periods in the "pots" means nothing. When I went to give notice on the 30 day savings, I was told I dont have access to this for 95days ? When I went to give notice on 7 days savings, I was told I dont have access for 31 days. The people who work in customer service (oxymoron) cant help me and ask me what my "quarry" (sic - query) is. Reviewed on: 30th March 2023

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 to person (no accountability) and a different response from every person you talk too. If you want service, I suggest you bank elsewhere. Reviewed on: 17th November 2025

Fraudulent activity on my account

Fraudulent activity on my account but they’ve said I’ve done them, not slept for days worrying, currently still trying to get it sorted Reviewed on: 12th November 2025

Great bank and really good customer service and comp...

Great bank and really good customer service and competitive rates Reviewed on: 7th September 2025

Such an easy app, a great way to save money

Such an easy app, a great way to save money Reviewed on: 17th June 2025

User friendly

Very easy to use and allows multiple pots for different savings goals. Howver, interest rate doesn't really change significantly between pots which doesn't incentivise locking money away in a 30 or 90 day pot like it used to. Reviewed on: 14th June 2025

A good vitual bank that allows you to earn higher in...

A good vitual bank that allows you to earn higher interest rate for its smart saver account. Plus it's 2% cashback direct debit service, not many providers in the market are doing the same thing Reviewed on: 12th June 2025

Competitive rates, great app

Competitive rates accessible through an easy to use app. Never any issues moving money and prompts me when to save further amounts regularly. Reviewed on: 12th June 2025

Zopa excellent

I have a cash ISA and a smart saver account, the interest rate is not the best but they are there so I stay with them. Great service and easy to use app with everything at your finger tips Reviewed on: 12th June 2025

Money management made easy

They help managing an amount of money chosen by you to save automatically on a date each month and they have Different saving pots Reviewed on: 12th June 2025

They have the best rates!

They have the best rates! Not only can you get 2% back on your current account, but up to 7% on savings. Who else has that? Reviewed on: 12th June 2025

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