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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

96% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

Market leading rates at the touch of a screen.

Market leading rates at the touch of a screen. Easily accessible support when you need it. Reviewed on: 17th January 2025

ZOPA are an excellent financial service provider

ZOPA are an excellent financial service provider Reviewed on: 17th January 2025

I have found dealing with Zopa and the app very easy...

I have found dealing with Zopa and the app very easy and informative. I am delighted to see how my savings are increasing and with the range of products offered. There is a dedicated effort to keep people up to date with their savings. Reviewed on: 17th January 2025

Great job good like it’s very well

Great job good like it’s very good especially me Reviewed on: 17th January 2025

Simple to use.

Simple to use. Easy to set up and manage. Easy to view savings. Reviewed on: 17th January 2025

Game changing options

I have recently sold my property to provide overnight care for my nan. I was eager to put the money i received into an account to earn interest. I search through many banks and building societies to try to find a good interest rate as well as options to withdraw money sooner, due to the need to be flexible in case sudden change were to happen in my living circumstances. My sister has a zopa account and recommended it to me. What I love about it the most is you have options to fix your money like most isa accounts but for different time frames of your choosing. I like that you can provide notice to access money without worrying it's fixed for a year but still benefiting from a competitive rate. This has been a game changer for me, it's made me feel at ease if anything were to happen I could access it as soon as I required. The app is so easy to use. I love I can track my money and interest whenever I want. I feel this is a game changer in the banking world, the app as well as the opportunities the variety of choices to save give to you. Reviewed on: 17th January 2025

Very easy and straightforward to open and use

Very easy and straightforward to open account. Easy to added money / withdraw money. Good interest rates on savings accounts Reviewed on: 17th January 2025

Zopa - Simply the best

Having initially obtained a Credit Card facility with Zopa I progressed to opening a current account and then a smart savings account basically as I found their offerings as exceptional when compared to many if not all of their competitors. The facility to have different "pots" even with differential interest rates showed significant flexibility. The regular saver pot with monthly limits of £300 deposits I believe compares again as being better than nearly all its competitors as does the current interest rate of 7.5%. In general in my specific experience thewir custome r service is outstanding. The app and online presences again I fiond (aged 79!) easy to navigate and use. All in all compared to the rest (I have banking facilities with 7 other banks an a couple of deposit takers) I have found them innovative efficient and a pleasure to deal with. Reviewed on: 17th January 2025

Trustworthy fully digital savings solution.

Zopa has provided me with a frictionless and fully digital solution to my savings. I've felt secure saving my money with Zopa and they always update me and provide me with product changes and new products. I couldn't praise them more. Reviewed on: 17th January 2025

Flexible and accessible.

My Zopa account is flexible and accessible. I have been with them for a few years now and it has been a great experience. Reviewed on: 17th January 2025

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