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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

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4.82

Based on 8,149 reviews, last reviewed 17th Jun 2026

89% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th June 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 (8149)

Review of the Zopa, Smart Saver:

Excellent app and ease of use.

Simple to set up the account and exchange and transfer funds with ease. A great interest rate to boot! Reviewed on: 11th January 2023

Trouble-free banking and market leading rates

Trouble-free banking and market leading rates Reviewed on: 17th January 2025

So easy to set up and great interest rate

So easy to set up and great interest rate Reviewed on: 17th January 2025

Amazing for impulsive spenders trying to save!

Very high interest rates, and with the new bank account you can unlock probably the highest in the UK for instant access. Very efficient and able to get a hold of customer service quickly if needs be. I LOVE the fact you can lock pots, the more notice you have to give the higher the interest rate they’ll give you! Brilliant if you’re trying to save and are impulsive with spending. Reviewed on: 14th January 2025

Over 10 year with zopa

I have had an account for over 10 year. It very good and easy service to use. App is very clear and easy to see your money and monthly intrested added. Much better than any old style high st bank. Reviewed on: 21st December 2024

Top marks for Zooa

I have been using Zopa for good few months and it is really good. The rates are great and the app is just amazing- a seamless no-nonsense process. It is so easy to top up the account and withdraw the money, never had any problems. Reviewed on: 8th December 2024

Customer service are total time wasters who can bare...

Customer service are total time wasters who can barely speak English Reviewed on: 20th November 2024

Decent app but needs more functionallity.

Decent app but needs more functionallity such as 'Joint accounts' ability to transfer into a specific pot from a linked account via the existing 'pull' function. Reviewed on: 3rd October 2024

Zopa makes saving easy AND enjoyable!

Zopa makes saving easy AND enjoyable! There access and boost pots allow me to manage my money in different ways, making it possible to plan ahead for any of life's unexpected costs that may arise, whist also getting the most out of the money I do wish to lock away. The app is very easy to use, and you can see all of your savings clearly. I have never needed to contact Zopa directly, so I can't say that I have experience with dealing with their customer service, but I think the fact that I have never needed to contact them speaks for itself! I recommend Zopa regularly to my friends, and will continue to do so! Reviewed on: 4th September 2024

App is easy to use with good accessible features, Su...

App is easy to use with good accessible features, Support were good and quick to solve problems. Interest rates good. Easy to transfer to external accounts. Feature allowing see all account on front page of app. Reviewed on: 4th September 2024

Easy to use product that works well.

Easy to use product that works well. Reviewed on: 23rd August 2024

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