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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

Simple to set up and create savings 'pots'.

Simple to set up and create savings 'pots' for whatever you want. Interest is better than elsewhere and keeping track is simple. Reviewed on: 9th January 2024

I get the best interest rates for an instant saving...

I get the best interest rates for an instant saving account. Top. Reviewed on: 9th January 2024

I use Zopas pots to help me budget my money and am s...

I use Zopas pots to help me budget my money and am successfully able to do this. Reviewed on: 9th January 2024

Decent savings rates managed from your phone.

I've been a long time client of Zopa - from way back when they were managing peer-to-peer loans. Always been a fan of their model and was pleased to see their business evolve into the personal savings market with decent rates and a good amount of flexibility. Sign up was simple, and once in the app it's really easy, under the cover of the single account, to set up different savings "pots" to ringfence your money. Each pot can be independently managed with different levels of access, from instant (which pays the lowest interest), through seven days and a month to 3 months (which pays the highest). Money is transferred in and out of the account from accounts you have with other banks and these need to be set up on the app before they can be used. Account management is exclusively managed through the app which I find simple and intuitive. The only drawbacks for me? The occasional rounding error which means that balances in pots are sometimes a few pence out from the sum of the transactions. That I can't export a statement for import into the financial management software I use. And finally that there's no option to gain instant access to a pot with a longer access time, even with the loss of all interest for the notice period which may be available on other accounts - although I can see that this might be a deterrent from raiding a pot! All in all, I'd recommend Zopa Smart Saver to anyone... Reviewed on: 9th January 2024

Great rates and brilliant app easy to use.

Great rates and brilliant app easy to use. Reviewed on: 9th January 2024

Great product, easy to open and set up. Top job

Great product, easy to open and set up. Intuitive to use. Great savings rates, yes, higher are available but these are fleeting opportunities that require new accounts to be opened.moving between accounts is super easy, deposits and withdrawals are very quick and, again, super easy. Top job. Reviewed on: 9th January 2024

Pots of savings

The app makes it easy to create various savings pots and at improved rates. Reviewed on: 9th January 2024

Fantastic and competitive rates, easy to use app

Fantastic and competitive rates, easy to use app Reviewed on: 9th January 2024

So easy, good products.

So easy, good products. Good rates and the app is very smooth Reviewed on: 9th January 2024

Zopa is a great way to save money.

Zopa is a great way to save money, the intreat rates are amazing as well. I joined Zopa as I wasn’t getting enough out of my savings account I had with my bank account, the rates were very low, and I would always move money back and forth from account to account, I like having it set to access anytime, but it’s nice to know there are better rates if I do decide to lock it away for up to 90 days. Reviewed on: 9th January 2024

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