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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 both borrowed and saved with Zopa.

I have both borrowed and saved with Zopa. The rates are great which ever product you choose. I would highly recommend zopa. Reviewed on: 29th February 2024

Best bank by a mile,

Best bank by a mile, great savings rates and excellent customer service and support. Reviewed on: 29th February 2024

OnlineOnly

Easy and speedy to set up, all online and no paper correspondence involved. Site is easy to understand and make deposits into and monthly interest is excellent, rather than the usual wait for the annual interest. Deposit value and effect on balance appears immediately, no waiting for end of day processing. All round very impressive Reviewed on: 29th February 2024

Flexible savings account

Like the way the account lets you create different saving pots at different rates and different locked-in periods. Easy to move your money between the pots Competitive interest rates. Great app which is snappy and easy to use Reviewed on: 29th February 2024

Very good, tiered interest rate depending on notice...

Very good, tiered interest rate depending on notice period Reviewed on: 29th February 2024

Boosted pots are great ways to save

Best rates and easy to invest, I love the different pots which help me to save for specific things and the ability to lock away and boost for the short term Reviewed on: 29th February 2024

easy online experience.

easy online experience. The service on line is well presented with good clear steps. it's a very easy way to build up a savings pot and transfer any amount to other pots for boosting saving in higher interest rates. The only draw back is not having record of that specific transaction. I transferred money to a boosted pot, thinking I was able to give seven days notice but it turned out that it was, instead 30 days. So maybe that's something that could be improved upon. The on line chat I had over this was very good and helpful, and dealt with professionally Reviewed on: 29th February 2024

Happy customer for over 2yrs now

Happy to have been a customer for over 2yrs now & they’re always there to help when needed the most, 5* customer service representatives & great services. Couldn’t be happier thank you Zopa for treating me like a human rather than a number Reviewed on: 29th February 2024

Really easy to use App

Really easy to use App - nice and clear can see quickly how my savings are doing. Reviewed on: 29th February 2024

Named savings pots and quick cash transfers

I can save into lots of different pots that I can name. We are saving for our wedding, moving house, holiday and a honeymoon at the moment so it’s really useful to be able to separate it all. Cash transfers in and out are quick and easy. Reviewed on: 29th February 2024

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