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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

Fab bank, fab app, great great great

Fab bank, fab app, great great great Reviewed on: 8th January 2024

Very supportive and flexible

Very supportive when app was having technical issues and I needed to transfer money. Flexible moving between pots is a great feature and can get better rate for pot if commit to saving for longer Reviewed on: 8th January 2024

Such an easy way of banking.

Such an easy way of banking. Setting up various saving pots is easy and transparent. Reviewed on: 8th January 2024

Easy to open account, regular interest rate increases.

Easy to open account, regular interest rate increases. Reviewed on: 8th January 2024

Fantastic easy to use platform and great rates with...

Fantastic easy to use platform and great rates with instant access Reviewed on: 8th January 2024

Great, user friendly app.

Great, user friendly app. They pass on any interest rate increases to savings much faster than NatWest (our other savings account provider) Reviewed on: 8th January 2024

Easy, flexible, high interest online saver

The app is easy to use, flexible enough so you can create mini-pots for separate savings, it's fast to deposit and withdraw money and Zopa do not drag their feet when interest rates increase - they act correspondingly. Reviewed on: 8th January 2024

Zopa is smart and easy to use would recommend to all...

Zopa is smart and easy to use would recommend to all family and friends Reviewed on: 8th January 2024

Excellent company

Excellent savings company,user friendly app, competitive interest rates Reviewed on: 8th January 2024

I was looking for an easy to use savings account whe...

I was looking for an easy to use savings account when I discovered Zopa, they had the highest rate for interest, it took less than 5 minutes to open the account and it’s really simple to use. When rates go up, they reflect that so you’re always making the best amount of interest on your savings. I currently have 4 savings accounts with them, various ones and couldn’t be happier. Reviewed on: 8th January 2024

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