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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (7475 reviews)

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4.94

Based on 7,475 reviews, last reviewed 18th Jan 2026

28700% 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

Competitive savings rates. I would like to use Zopa more for all my banking but don't quite understand all the online requirements. I would love to have it explained in person. Reviewed on: 18th 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.

Zopa Smart Saver reviews (7475)

Review of the Zopa, Smart Saver:

Easy savings

My Zopa savings account is so easy to use and all my family have got a Zopa account so l would highly recommend anyone to open a Zopa account..... Reviewed on: 4th April 2023

Great savings account

Easy to use and manage my savings account via their app. Can setup regular savings amount and or just do one off payments Reviewed on: 15th January 2026

Very good experience with Zopa.

Very good experience with Zopa. No much hassle with getting a credit card or a loan. Everything is made easy for the customers and very helpful too. Reviewed on: 15th January 2026

Easy to set up and easy to use

Easy to set up and easy to use. I particularly like how you can set up savings goals Reviewed on: 15th January 2026

Nice easy app use

Nice easy app use with good and prompt help when needed. I would recommend. Reviewed on: 15th January 2026

Love the fact that you.

Love the fact that you.can.open different pots making saving for specific items easy Reviewed on: 15th January 2026

I have Access Accounts & Fixed Term Accounts.

I have Access Accounts & Fixed Term Accounts. All very market competitive. Sometimes the online portal can be a little clunky. Not sure why I now have to go online to see my Fixed Term Account details, please explain. I like the flexibility of seeing everything on my phone app. The interest rates aren't really competitive but align with most if not all other banks. As Zopa do not have high street branches surely staff numbers are fewer and therefore a more attractive interest rate could be applied to reflect this. I have also bought my kids to Zopa who now all have their own accounts. Reviewed on: 15th January 2026

Simple effective App, money transfer almost instant...

Simple effective App, money transfer almost instant and a decent saving rate. Reviewed on: 15th January 2026

Graysguide

Just very good and with comission free spending overseas,very easy to call and sort anything out Reviewed on: 15th January 2026

Zopa is very good app to use excellent service reall...

Zopa is very good app to use excellent service really recommend Reviewed on: 15th January 2026

App easy to use

The App is so easy to use and for me the best is to do over payments lowering monthly payments Reviewed on: 15th January 2026

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