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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (8051 reviews)

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4.94

Based on 8,051 reviews, last reviewed 25th Mar 2026

82100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy to use App Zopa has a very easy to use App and provides excellent interest rates. Reviewed on: 25th March 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.

Zopa Smart Saver reviews (8051)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 2023

Easy to use on a mobile phone, transparent on fees

Easy to use on a mobile phone, transparent on fees and saving rates. Have used both for loans in the past and now savings. Early repayment at the click of a button. Savings rates increased for my easy saver already and were automatically applied to the account. Reviewed on: 8th January 2024

Great rates. Great app. Great service

Great rates. Love their ‘pots’. App easy and reliable. Resolve queries quickly Reviewed on: 8th January 2024

Credit awareness support

The credit card limit is perfect for me to start to build up my credit rating. I have £600 limit which I manage to pay off every month and most months have learned to keep it under that amount. There are a lot of interesting and supportive articles on how to manage finance. It guides me with a credit score that I am working on to get better. Reviewed on: 8th January 2024

Amazing!

Amazing! I've had great service & support throughout. Reviewed on: 8th January 2024

Good value for money and great interest

Good value for money and great interest Reviewed on: 8th January 2024

Quick and easy transfer in and out of account.

Quick and easy transfer in and out of account. website clear and intuitive. impressed with interest rates. Reviewed on: 8th January 2024

Zopa - easy to use website with competitive rates.

Zopa is a really easy to use website. You can move money from one account to another instantly - or with notice if it's a fixed rate account. Notifications come when needed rather too often. Interest rates are very competitive Reviewed on: 8th January 2024

Proactive in providing competitive rates

Zopa is always proactive in providing competitive savings rates automatically. Reviewed on: 8th January 2024

Good concept.

Good concept. Like the idea of a smart saver. Reviewed on: 8th January 2024

Easy to use and convenient pot function

The Zopa Smart Saver is user friendly and I really like the option to save in different pots. It’s very helpful to save for different things, e.g., our recent wedding, car insurance payment, holiday pot. It’s easy to keep track of money and saving in this way helps me plan ahead. I’ve not had any problems with Zopa and would definitely recommend. Reviewed on: 8th January 2024

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