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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 to deal with.

Great company to deal with. Responsive and customer focussed Reviewed on: 11th January 2024

Very easy and useful with a super simple app and acc...

Very easy and useful with a super simple app and access to a variety of account types. Way better than other apps of a similar nature Reviewed on: 10th January 2024

Good website, attractive rates, easy to transact

Good website, attractive rates, easy to transact Reviewed on: 10th January 2024

Saving for our wedding has never been easier.

So easy to use, so quick to update interest rates, love the visual aesthetic of the platform and how easy it is to navigate. Saving for our wedding has never been easier. Reviewed on: 10th January 2024

Easy enough to open an account - have just opened an...

Easy enough to open an account - have just opened an ISA today. Easy enough to contact and speak to a person. Struggled to find out how to link accounts and, did not find chat helpful, talking is best. Drawbacks are only down to caution and fear of using an entirely online service but this is good. Reviewed on: 10th January 2024

First time Zopa customer - very impressive!

Easy to navigate app, clearly set-out information and easy to move money in and out of account. Little delay in changing interest rates when BOE rate increases. Competitive interest rate for easy-access savings. Reviewed on: 10th January 2024

No hassle credit card and great Smart Saver.

Since I have had a Zopa credit card I have never had any issues with using the card. I have since taken up the Smart Saver and it is excellent to put money into my account and very simple to withdraw money. Reviewed on: 10th January 2024

Could not ask for more.

So easy to use. Great rates, great linked products. All works so well that i have never needed to contract anyone for help. Reviewed on: 10th January 2024

Simple to use app.

Simple to use app. Very competitive rates of tiered interest. Reviewed on: 10th January 2024

Great product. Flexible and Easy

Great product. Rates a bit off the pace. App is excellent. The concept of savings pots is a good one. Reviewed on: 10th January 2024

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