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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

96% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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.

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Zopa Smart Saver reviews (8146)

Smart Saver is quick and simple to set up

Setting up a Smart Saver with Zopa was very quick and simple and I trust that my money is safe. It has great interest rates and adding/withdrawing money has been very simple. I haven’t experienced any issues. Reviewed on: 8th January 2024

A really well thought out platform

A really well thought out platform Reviewed on: 8th January 2024

Easy to set up and administer.

Easy to set up and administer. Easy to credit and withdraw from the account. Zero hassle! Reviewed on: 8th January 2024

Brilliant to use and excellent interest rates.

Never had a problem, adding and withdrawing money, plus moving it between accounts is very easy and straightforward in the App, interest rates are also very favourable. Reviewed on: 8th January 2024

I have been with Zopa for many years

I have been with Zopa for many years, previously investing with peer-to-peer. The new smart saver offers good rates and through the app it is easy to move money between accounts Reviewed on: 8th January 2024

It's so easy to move money between pots

It's so easy to move money between pots that find different interest rates based on access periods. I can start saving for a holiday and release the funds just in time, maximising my interest payments. The app is very easy to use. Reviewed on: 8th January 2024

Well I have seen the interest rates go up as I save...

Well I have seen the interest rates go up as I save for longer and then add more 2 account making. More money. Reviewed on: 8th January 2024

Fantastic service, with fantastic rates.

Opened a smart saver account two years ago to help me save money for my first property, Zopa offered the best rates on the market and also offered the option of locking the money in for different periods of time for better rates. It was easy to set up the account, easy to transfer money into the account and the app is extremely user friendly and easy to navigate. Overall it has been a very rewarding experience saving with Zopa. Reviewed on: 8th January 2024

Easy to use App & very competitive rates

Easy to use App & very competitive rates Reviewed on: 8th January 2024

Brilliant app, easy to navigate and excellent rates...

Brilliant app, easy to navigate and excellent rates for savings Reviewed on: 8th January 2024

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