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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.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8149)

Zopa Smart Saver Review

I have had a good experience using the Zopa Biscuit Account. The app is simple and easy to use, and it clearly shows how much you have saved and how much interest you’re earning. I also like that you can separate your savings into different accounts for different goals, even though I haven’t used this feature yet I can see myself using it in the future. The interest rate is competitive compared to many traditional savings accounts, so it feels worthwhile keeping money in there. Moving money in and out is also quick and straightforward. One drawback is that you can’t pay cash directly into the account, as everything is done digitally through the app. However, if you transfer money from another account that you can put the cash into, this isn’t a big issue. Overall, it’s a simple and effective savings account that makes saving money easy. Reviewed on: 7th March 2026

Excellent Returns

Excellent Service. Good interest on savings Reviewed on: 7th March 2026

Very easy to use app and good interest rates apart f...

Very easy to use app and good interest rates apart from cash ISA Reviewed on: 7th March 2026

Was a bit apprehensive when opening my online account .

Was a bit apprehensive when opening my online account . But after a few months my anxiety disappeared and I would recommend anybody to use it. I have two accounts that I use. Very easy to use and you see the benefits every month . Great service thankyou… Reviewed on: 7th March 2026

Wonderful bank who pays more for your savings

Wonderful bank who pays more for your savings Reviewed on: 7th March 2026

Zopa savings

Zopa have a very easy user friendly App. They offer some of the best interest rates if used properly. Instantaneous access to easy access accounts. Very happy with biscuit account to - offering 2% interest also. Would thoroughly recommend Reviewed on: 7th March 2026

So amazingly easy and straightforward

So amazingly easy and straightforward to open and account, with fantastic customer experience. Reviewed on: 7th March 2026

Great bank really good experience.

Great bank really good experience. Highly recommended. Reviewed on: 7th March 2026

Great bank

Great bank, good rates, excellent customer service Reviewed on: 7th March 2026

Very happy so far,easy to navigate

Very happy so far,easy to navigate Reviewed on: 7th March 2026

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