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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

32% 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

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

Easy to use online savings

I have never had a problem with Zopa, they pay fair interest rates, easy to access my money. Reviewed on: 29th February 2024

Very efficient to deal with.

Very efficient to deal with. Money directed to the correct account very quickly Reviewed on: 29th February 2024

In a cost of living age, and a Pensioner, it doesn't...

In a cost of living age, and a Pensioner, it doesn't,t matter how little I try to put in the pot each week, it slowly builds for a rainy day! Reviewed on: 29th February 2024

Easy to use

I find using the app so easy that it encourages saving Reviewed on: 29th February 2024

Tidy up little bits of money and make them big money.

App is always working, and simple to use. Great way to tidy up little bits of money and make them work. Reviewed on: 29th February 2024

Flexible and good competitive offers my only critici...

Flexible and good competitive offers my only criticism is that you cannot remove a smart saver product from your overall account even if you have no money in it. Reviewed on: 29th February 2024

So easy to use and save,

So easy to use and save, clear to see everything you need to know Reviewed on: 29th February 2024

I have a savings account with Zopa and find them to...

I have a savings account with Zopa and find them to be excellent. The rates I was getting with NatWest were appalling and I do not regret switching. I particularly enjoy the different rates for each of their fixed notice “buckets”. Reviewed on: 29th February 2024

Easy to use app and useful pots for allocating savings.

The app is really easy to use, and the pots which allow you to allocate savings for different purposes are really useful. You can also benefit from higher interest rates if you lock your money away for 7, 31 or 95 days. Reviewed on: 29th February 2024

Really easy to use, really good interest rates.

Really easy to use, really good interest rates. Can withdraw on the app instantly and in general app very user friendly. Really like the boosted pots function and being able to lock some money away at better rates while keeping the rest of your money immediately accessible. Reviewed on: 29th February 2024

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