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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (7180 reviews)

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4.94

Based on 7,180 reviews, last reviewed 17th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great bank and really good customer service and comp... Great bank and really good customer service and competitive rates Reviewed on: 7th September 2025

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.

Zopa Smart Saver reviews (7180)

Review of the Zopa, Smart Saver:

Terrible Customer Service

Zopa is a fine company if you want to put money in and get a nice return. However, dont try and contact the customer service on their portal - It is a complete nightmare. I used their own portal chat to ask them why there is no difference between a 95 days interest rate and a 30 day interest rate - nothing that would break ANY security or confidentiality rules. They kept coming back asking for last 4 numbers of paying in bank, wanting full names etc. Absolute BS. What is wrong with saying our interest rates are the same because of . . . . instead of all the running around. Jobsworth and incompetence comes to mind. I have already given notice to withdraw 95day savings and will also be giving notice on the 30day and 7 day savings and move to a company that can at least answer simple questions. 30.03.23 _ additional. It now appears as though the notice periods in the "pots" means nothing. When I went to give notice on the 30 day savings, I was told I dont have access to this for 95days ? When I went to give notice on 7 days savings, I was told I dont have access for 31 days. The people who work in customer service (oxymoron) cant help me and ask me what my "quarry" (sic - query) is. Reviewed on: 30th March 2023

Great Banking App.

Great Banking App. So easy to set up and use Reviewed on: 28th April 2025

Zopa’s competitive rates and simple to use app make...

Zopa’s competitive rates and simple to use app make saving easy. Reviewed on: 28th April 2025

Good interest rates and easy to use app.

Good interest rates and easy to use app. Reviewed on: 28th April 2025

Easy to setup with clear instructions.

Easy to setup with clear instructions. Reviewed on: 27th April 2025

Best interust rate e

Best intrust rate service well done Reviewed on: 27th April 2025

Excellent online banking provider with good interest...

Excellent online banking provider with good interest rates. Ease of access between accounts and enabling me to utilise excellent interest rates whilst saving in different pots! Reviewed on: 27th April 2025

Good saving account

Easy to use, good rate. Competitive. Reviewed on: 27th April 2025

Brilliant

Easy to use app, and a great rate of interest! Reviewed on: 27th April 2025

Excellent place to be, excellent place to save with

Excellent place to be, excellent place to save with Reviewed on: 27th April 2025

Easy to use savings account

I have a savings account which pays compatible interest and is very easy toude Reviewed on: 27th April 2025

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