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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

Great rates good service.

Great rates good service. Easy to use good idea with pots Reviewed on: 8th January 2024

Best rates and always first to put them up .

Best rates and always first to put them up .easy to manage my account online . Reviewed on: 8th January 2024

Clear and concise app

Very easy and simple ap. Process to open and use the account is the best I have used. Moving money in the app is a clear process and has always happened quickly. Reviewed on: 8th January 2024

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

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