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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

Very easy to set up and kept informed if rate...

Very easy to set up and kept informed if rate chsnges Reviewed on: 8th January 2024

Competitive saving rates with Zopa.

App easy to use, Zopa offer some good saving rates. Everything is explained well on the app. Deposits and withdrawals show up immediately. Reviewed on: 8th January 2024

Easy to use and very efficient.

Easy to use and very efficient. Great rates of interest. Reviewed on: 8th January 2024

App is great and so are rates!

Zopa’s app works perfectly and is clear and easily navigable. Their rates are also impressive, if not always quite at the very top. I would appreciate being able to split a boosted pot, but that’s a quibble. Zopa is well worth using even if not the very highest interest rate, certainly over less easy-to-use or confusing firms. Reviewed on: 8th January 2024

Zopa provided excellent conditions on savings accounts!

Researched Zopa app when I was looking to open a savings account. It was super easy to set up and have been managing to save some money. It is also super easy to move money between savings accounts and also my current account and Smart Saver. Would highly recommend for hassle-free savings accounts! Haven't had to contact or deal with customer service at all so far, so can't review that component. Reviewed on: 8th January 2024

Easy to use, clear and transparent.

Easy to use, clear and transparent. Good rates. Reviewed on: 8th January 2024

Such a user friendly app and makes saving fun and easy

Such a user friendly app and makes saving very easy with the use of as many different pots as you need and the ability to choose your interest rate/notice period for different amounts of money. Reviewed on: 8th January 2024

Easy savings

I've a number of savings pots and both setting up and managing the account are easy. Reviewed on: 8th January 2024

The interest rate was excellent for the saving rate...

The interest rate was excellent for the saving rate I chose. Reviewed on: 8th January 2024

Nothing but excellent.

Nothing but excellent. Transparent from the start and have been all the way through my journey with them Reviewed on: 8th January 2024

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