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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

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

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

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