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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (8044 reviews)

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4.94

Based on 8,044 reviews, last reviewed 16th Mar 2026

81500% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Outstanding rewards (direct debit cashback! Outstanding rewards (direct debit cashback!) and one of the best savings rates, all wrapped up in one modern, clean, sleek (and cute!) app. Zopa is cl... Read more Reviewed on: 16th March 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 (8044)

Fantastic app with excellent interest rates

The mobile app is fantastic! It seamlessly integrates with my primary bank account so transfer of funds can be made in a few taps. Great variety of savings accounts with excellent interest rates. I like the flexibility of the 'boosted pots' feature that lets you lock portions of your money away over a short fixed term with higher interest rates. Reviewed on: 11th April 2024

Easy quick set up, online/app banking.

Easy quick set up, online/app banking. Saving pots help to categorise what I’m saving for. Good interest rates and notice accounts provide good options on rates. Reviewed on: 10th April 2024

Easy to use app.

Excellent service - easy to use app. Reviewed on: 8th April 2024

Clear, easy and excellent interest rates.

Clear, easy and excellent interest rates. Reviewed on: 5th April 2024

Great company to use great savings rate

Great company to use great savings rate Reviewed on: 3rd April 2024

Great customer experience

Great interest rates on savings, help available when needed Reviewed on: 3rd April 2024

Efficient and easy to navigate.

Efficient and easy to navigate. Regular update. Reviewed on: 3rd April 2024

Great features and insights to inentivise saving

I'd had the same bank my entire life and found Zopa via a comparison site. I have never looked back, the interest rates are great and I can directly link my current account and see all of my accounts in one place. The insights feature prompts me to sweep away money that's been in my account for over a month. I have never been good at saving, but Zopa somehow incentivises me. Reviewed on: 2nd April 2024

Love my SmartSaver account.

Love my SmartSaver account. I have lots of saving pots for short term & long term saving targets. I like the different interest rates. So easy to move money around & link to my current a/c. Rates are some of the best around. Reviewed on: 2nd April 2024

Competitive Saver Rate since 2021

Been a customer since 2021 and very happy with the interst rate offered and the App is so easy to use and transfer money. I now have my own kids and family investing in Zopa. Only improvement is for customer services response time can be quicker. Reviewed on: 2nd April 2024

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