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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.

Awards

Best banking app 2026

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

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

Highly recommend

Super easy to open, competitive rates, very easy to use app, everything clear & straightforward - already recommended to someone who has no experience of digital banking & they opened an account in minutes & have been very happy with it since Reviewed on: 3rd March 2024

Great saving account

Simple easy to use on line savings with excellent interest rates Reviewed on: 3rd March 2024

A great account

Really easy to use and set up. I have set up different pots in the account and some of these have higher rates of interest . Reviewed on: 3rd March 2024

Excellent app & experience

Just so easy to use the app, simple to transfer money & monitor savings. Create different pots for different savings plans. Reviewed on: 3rd March 2024

I’ve had a great experience with Smart saver

Smart saver is great, could be slightly better for interest compared with other brands, but still a great experience. Reviewed on: 3rd March 2024

Zopa has helped me save

I've been with Zopa for a while now and I'm really happy with them. The layout of their app is user friendly and transferring funds from my current account to their smart saver has been so easy. Setting up auto-transfers has ensured I regularly save without needing to think about it, and if I want to add more to my savings, it's as easy as a simple bank transfer. Reviewed on: 3rd March 2024

Easy to use.

Easy to use. Good interest rates. Very happy. Reviewed on: 3rd March 2024

Just so easy!!

Just so easy to save, switch funds and access and lock in rates Reviewed on: 3rd March 2024

Smart Saver

I really liked the different savings pots within the Smart Saver! It made saving more exciting! All on a app too, which makes its accessibility easy! Reviewed on: 3rd March 2024

Good all rounder

Good rates, easy to use app and easy access to accounts Reviewed on: 3rd March 2024

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