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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

Flexibility is King

Zopa offers the flexibility to have money that is accessible with short notice period as well as some funds that are held for 90 days giving me a better rate. I like having all savings in one place separate from every day banking Reviewed on: 9th January 2024

Zopa was easy to set up and very easy to use with co...

Zopa was easy to set up and very easy to use with competitive interest rates Reviewed on: 9th January 2024

Very easy to use App with excellent saving rates.

Very easy to use App with excellent saving rates. Reviewed on: 9th January 2024

Good service and keeps me well inform

Good service and keeps me well inform Reviewed on: 9th January 2024

The best interest and bank around!

Easy to add and withdraw funds and the best interest rates I could find for a saving account. Beat my current banks anyway. Reviewed on: 9th January 2024

Speedy service, confident of the service we are gett...

Speedy service, confident of the service we are getting. Reviewed on: 9th January 2024

easy to use and decent rates!

easy to use and decent rates! what's not to love! never had any issues, easy to transfer money in and out. the pots feature makes saving for specific things easy, and allows me to lock money away without fuss! Reviewed on: 9th January 2024

Good saving options.

The saving options they offer give you what you are looking for whether easy access or a more long term access to help you save better Reviewed on: 9th January 2024

Quick money transfer and simple easy to use app

Quick transfer of money, simple easy to use app, and very good savings rates for easy access. Reviewed on: 9th January 2024

Simple use, flexible and offers good rates of return

Account setup and operation was simple and the app continues to be reliable to use. It provides flexible allocation of my money across varying instant access pots with decent rates. It is worth taking the time to fully understand how the pots work in terms of when they 'mature'. The only drawback was the necessity to install a(nother) dedicated app. Reviewed on: 9th January 2024

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