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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)

Great products and easy to set up and manage

I have a loan, a smart saver, smart isa and credit card with Zopa. The application process is extremely efficient and the products competitive and simple to use Reviewed on: 2nd April 2024

Simple, efficient and intuitive.

Simple, efficient and intuitive. It's easy to open via the app and the fact it integrates with your credit profile and other banks, it's all in one place. Reviewed on: 15th March 2024

Smart journey to smart savings

The mobile app is easy to use, the process for opening an account is super simple with fast payments with a linked personal bank account. User documentation is clear and never had any problem. Reviewed on: 13th March 2024

Great savings rates

Great savings rates. Able to have lots of separate pots in order to track savings and saving goals. Reviewed on: 13th March 2024

Horrendous App.

Horrendous App. If you want to spend an hour trying to make a transaction, this is for you. Constant problems accessing the app, always under maintenance. Complain and you’ll be passed around for amusement. Reviewed on: 13th March 2024

The app is very easy to use.

The app is very easy to use and it integrates well with my bank. Reviewed on: 12th March 2024

Easy to use app.

Easy to use app, finding the bits you need. Easy to set up different pots which you can name, different conditions and interest rates. Funky icons to give you feedback on your actions so you know it's done. Reviewed on: 12th March 2024

prompt rate rises

They have always increased rates promptly and my savings are easy to get to! Reviewed on: 12th March 2024

Longstanding very happy customer

Longstanding customer going back to days of p2p investing. Now using instant saver account. Very happy with rates, security and helpful customer services Reviewed on: 12th March 2024

Excellent services Great products and easy to use

Great products and easy to use. App works really well. Great variety of products. Reviewed on: 12th March 2024

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