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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

Great company for loans and saving

Been with Zopa for a humber of years, before and after they received a banking licence and there continuation to customer service and decent competitive savings rates have given me the confidence to remain a customer of zopa. Reviewed on: 16th January 2024

Superb app, quick withdrawals.

The app is excellent and money moves are almost instantaneous. Reviewed on: 15th January 2024

Great provider

Easy to use and accurate efficient service Reviewed on: 15th January 2024

Super easy and competitive rates

Super easy app to use and track. Great rates. Reviewed on: 15th January 2024

VERY EFFICIENT

Zopa works very efficiently and their communication is excellent. They update interest rates very quickly. Highly recommended. Reviewed on: 15th January 2024

Easy to do business with

Easy to do business with and review and manage accounts on the app Reviewed on: 15th January 2024

Easy to use, convenient savings account.

Easy to use, convenient savings account. Being able to separate money into pots is great. I love that there are variable rates depending on how much notice you give to access money. Reviewed on: 14th January 2024

Zopa is quick and easy to set up, great for managing...

Zopa is quick and easy to set up, great for managing your money by adding pots. But best of all is the interest rate and how quickly they increase it after a bank of England rate rise. Reviewed on: 14th January 2024

I’m a reluctant saver

I’m a reluctant saver but I’ve found this process very easy. You can add pots and monitor your progress. The app is great and very accessible, and I feel under less pressure to worry about how much I’m saving Reviewed on: 14th January 2024

Zopa's Smart Savings account is so helpful

Zopa's Smart Savings account is so helpful when I'm saving and planning for different things. I have a separate pot for all of my small savings, which makes it so much easier for me to manage. Reviewed on: 14th January 2024

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