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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

Fully functioning savings

Good link btwn Zopa Savings account & main bank account. Good instant access interest rates - better if I choose ‘term’ accounts. Easy to use app. Reviewed on: 8th January 2024

Zopa app and szvings

Very easy to open the savings account, the Zopa app is excellent. Good rate of interest for a small savings account and so easy to transfer money into it. Reviewed on: 8th January 2024

Great account easy to use.

Great account easy to use. Very happy Reviewed on: 8th January 2024

Really positive experience!

Really positive experience! Never had to contact anyone for help so can’t comment on that, but everything is self explanatory. Really competitive rates, easy to use app and lots of options to personalise accounts and have different pots for organisation. Reviewed on: 8th January 2024

Fantastic

The app is really easy to use and understand. I sometimes find apps confusing but with Zopa no hidden agendas and easy to use Reviewed on: 8th January 2024

First Class

Easy to use, excellent interest rates: what’s not to like! Sometimes, there is no need for more words: this is one of them. And no, I don’t work for Zopa… Reviewed on: 8th January 2024

An easy to use app based account.

An easy to use app based account. The savings rates are not market leading but are competitive, very easy to add and withdraw funds Reviewed on: 8th January 2024

Making life so simple

I like to separate my funds into different savings aims. Zopa allows me to do this and decide on how quickly I will need the funds. Each month I allocate my funds. It’s so simple. Reviewed on: 8th January 2024

It’s a great business

It’s a great business and I’ve been investing with them for over 14 years now Reviewed on: 8th January 2024

Straightforward to set up and easy to access savings

Straightforward to set up and easy to access savings Reviewed on: 8th January 2024

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