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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8148 reviews)

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4.82

Based on 8,148 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 (8148)

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 open, good interest rate and easy to use...

Easy to open, good interest rate and easy to use App Reviewed on: 8th January 2024

Great service

Very competitive rate of intrest managed via app & nominated bank accountI Reviewed on: 8th January 2024

Very good interest rate

Very good interest rates and easy to boost pots Reviewed on: 8th January 2024

I having been saving with zopa for a while now.

I having been saving with zopa for a while now. Easy to depoist and withdraw. Good intrest rate compared to otherz Reviewed on: 8th January 2024

Very competitive rates in a smart banking solution.

Zopa have a range of high interest savings accounts, from instant access to fixed term savings. When I was looking for a savings account, Zopa's rates and savings terms were one of the best I could find in the market. The added bonus for me is that everything is easily set out on their banking app and setting up new savings pots for different items, as well as topping up and moving money between different savings pots is very easy. A simple, effective and high interest bearing way to save. Reviewed on: 8th January 2024

Excellent rates and very user friendly app

Excellent rates and very user friendly app Reviewed on: 8th January 2024

So easy to manage!

All very straightforward from opening account, to ease of transferring, adding or withdrawing funds, to checking on interest earned. All very clear, secure and easy to access. Reviewed on: 8th January 2024

Good rates and an easy product to manage.

Good rates and an easy product to manage. I like how flexible the lock periods are, helping me to earn extra interest but still maintain some flexibility over when I can access my money. I’ve been using Zopa for a number of years now with absolutely no issues. Reviewed on: 8th January 2024

I use ZOPA's app to save with smart saver.

I use ZOPA's app to save with smart saver. Money is easy and fast to move. You can navigate the site easily. The rates of interest are competitive. ZOPA keeps in touch Reviewed on: 8th January 2024

Just the way things should be.

Good rates of interest paid. As an existing Loan and Credit Card customer applying was easy. A simple straight forward process that took no time at all to complete. Transferring money to and from the account is straightforward and quick too. Just the way things should be. Big name banks take heed. Reviewed on: 8th January 2024

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