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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 for savings - decent rates and a useful app.

Great for savings - decent rates and a useful app. have not needed customer service Reviewed on: 3rd March 2024

Easy to save

Makes it easy to get in to the savings habit by automatically taking the money out of my bank every week paying leading interest rates monthly you can lock money away for a week a month or three months removing the temptation to withdraw unlocked money can be withdrawn immediately Reviewed on: 3rd March 2024

BEST SAVER

As someone who prioritizes financial security and growth, I've extensively explored various savings providers in search of the best option. After thorough research and personal experience, I confidently assert that Zopa stands out as the pinnacle of savings excellence. They set the gold standard for customer service. Whenever I've had inquiries or required assistance, their support team has been incredibly responsive, knowledgeable, and courteous, resolving my concerns promptly and efficiently. In conclusion, Zopa epitomizes excellence in the realm of savings providers. With competitive interest rates, minimal fees, user-friendly interfaces, top-notch security, exceptional customer service, and a wealth of flexible features, they offer everything I could possibly desire in a financial partner. If you're seeking a savings solution that prioritizes your financial well-being and empowers you to achieve your goals, look no further than Zopa Reviewed on: 3rd March 2024

So easy to manage, transfer money & add pots.

So easy to manage, transfer money & add pots. Great account Reviewed on: 3rd March 2024

Highly recommend

Love the boosted pots which allows me to save for specific things. Their interest rate is competitive for easy access savings and offers a higher rate for pots requiring notification. The app is also super easy to use and withdrawals couldn’t be easier. Reviewed on: 3rd March 2024

Very easy to set up and use.

Very easy to set up and use. Easy to swap between pots and open new savings streams. Interest rates good although haven’t kept pace lately. Reviewed on: 3rd March 2024

Easy to use and competitive rates.

Easy to use and competitive rates. Have recommended Zopa to others. Reviewed on: 3rd March 2024

Reliable and easy to use!

Reliable and easy to use! Enjoying the app so far, mainly for ease of use. Reviewed on: 3rd March 2024

Love having easy pots Option to increase pots by ext...

Love having easy pots Option to increase pots by extending notice Reviewed on: 3rd March 2024

Brilliant digital bank!

Since I have been banking with Zopa my experience has been extremely positive; the customer service is impressive! Reviewed on: 3rd March 2024

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