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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

A different way to save

I wanted to save for different needs but I didn't want to have lots of separate savings accounts. Along came Smart Saver and being able to put money into pots for varying fixed-terms with Zopa while seeing it all on one place has been brilliant. I'm not the best saver so a saving pot that requires 31 or 95 days notice allows me to reduce temptation and build savings. The interest rates have been good, far better than my own bank could offer. The communication from Zopa is spot on, nothing pushy or overselling, just simple updates. I particularly like the personalised insights into how to develop my credit status. Reviewed on: 8th January 2024

Great Bank

Zopa is man easy to use app even for technologically challenged people like me and the saving interest rate is better than other banks. Reviewed on: 8th January 2024

Excellent savings app.

Excellent savings app. So easy to use as well! Reviewed on: 8th January 2024

Great saving’s accounts make saving much easier.

Zopa savings accounts are very easy to use. They have various accounts depending on haw long you want to save for. The interest rates are very good and a lot higher than my bank gives. Easy to save with and makes saving easy to do. Reviewed on: 8th January 2024

The flexibility of my Smart Saver savings account is...

The flexibility of my Smart Saver savings account is amazing... and prompt too, e.g. withdrawals transferred always faster than the promised 20 minutes. Excellent variable interest rates, greater for the longer notice 'boosted' pots of my account, offer even greater and very welcome flexibility. Reviewed on: 8th January 2024

Easy use app which gets you where you want quickly f...

Easy use app which gets you where you want quickly for a good rate of interest Reviewed on: 8th January 2024

Flexible savings

Flexible simple savings products with good access options Reviewed on: 8th January 2024

Great savings rates plus competitive foreign exchang...

Great savings rates plus competitive foreign exchange rates Reviewed on: 8th January 2024

So many different options!

The savings supports so many different options in support of controlling your money - whether it's instant, long term or for something specific. I haven't seen many other banks do this. Really easy sign up too. Reviewed on: 8th January 2024

The app is very easy to use.

The app is very easy to use. Money transfers are instant. What's not to like? Reviewed on: 8th January 2024

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