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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)

Loyal customer rewarded by consistently good service

I have been a customer for a number of years. Service always excellent Reviewed on: 5th March 2024

Very user friendly and decent rates, I would recomme...

Very user friendly and decent rates, I would recommend them to anyone. The app is easy to use too. My experience has been very positive. Cannot add much more gfggcncjcjxjxjcjchxxjcjcj j hh Reviewed on: 5th March 2024

Easy to use app.

Easy to use app. Competitive interest rates. Easy to set clear financial goals. simple instructions. Helpful information. Easy to transfer money around. Gives a clear picture of my financial situation. Reviewed on: 5th March 2024

Very slick and efficient.

Very slick and efficient. I like that they increase their rates without request. Reviewed on: 5th March 2024

Zopa a great banking system

I love the way my savings can be separated to suit my needs, excellent interest in the 'pots'. I had a query a while back and had several customer services team replying to me.. I have had loans with them over the years, always received clear indication of how my repayments were. I trust Zopa and would highly recommend Reviewed on: 5th March 2024

Great savings platform.

Great savings platform. Very easy to use with a good rate. Reviewed on: 5th March 2024

Zopa savvy savings

I have remained neutral as I haven’t had dealings with customer service yet but I haven’t needed to. It has been so easy to set up my savings account, use the app and manage my finances. I look the accessibility and the booster pots Reviewed on: 5th March 2024

Flexible, innovative savings account

A genuinely flexible and innovative savings account that delivers good value for money rates in a competitive market. Reviewed on: 5th March 2024

Literally nothing but compliments for Zopa, they are...

Literally nothing but compliments for Zopa, they are very transparent, keeping me up to date with emails, giving me a good return on my savings also, I have referred my family and friends also Reviewed on: 4th March 2024

Simple, yet VERY effective

The account was very simple to set up with an app that is easy to navigate and with great interest rates too! Being able to split savings into separate pots is a game changer too. Having monthly interest you can see the pots grow every month. Reviewed on: 4th March 2024

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