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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

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

Easy to open and use account via app.

Easy to open and use account via app. At one time a top performer for interest, but has slipped down the tables over the latter part of 2023. Reviewed on: 29th February 2024

Good competitive rates good CS as well

Good competitive rates good CS as well Reviewed on: 29th February 2024

My savings account encourages me to keep adding a li...

My savings account encourages me to keep adding a little to my pot. I didn’t realise I had enough money to book a holiday a first in years. My fixed account ensures funds are they next year a great sense of security. Thanks Zopa Reviewed on: 29th February 2024

Great app - easy to use and competitive rates

Great app - easy to use and competitive rates Reviewed on: 29th February 2024

Easy account, encourages me to save.

Very easy to open savings account and set up separate pots for different purposes. Easy to move money between pots if required. Deposits and withdrawals quick and easy. Helps me to keep track of my finances. Reviewed on: 29th February 2024

Very intuitive platform

Very intuitive platform offering value for money Reviewed on: 29th February 2024

Very easy to use and great products on offer

Very easy to use and great products on offer Reviewed on: 29th February 2024

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