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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

Easy app

Easy saving experience. Easy app navigation Reviewed on: 8th January 2024

Not really had any interaction with anyone

Not really had any interaction with anyone Reviewed on: 8th January 2024

Easy online banking.

Easy online banking. Competitive easy access savings accounts. Reviewed on: 8th January 2024

So easy, so SMART!

So easy, so SMART! On my phone and iPad Reviewed on: 8th January 2024

Really happy with zopa.

Really happy with zopa. My money sitting doing nothing works harder for me. Like that interest is paid monthly and if needs be it’s really handy for a little kick back Reviewed on: 8th January 2024

Savings Accounts

I set up savings account last year with Zopa when interest rates increased, it has been easy to manage online, create new funding pots, remove and add funds without penalty like some banks. Reviewed on: 8th January 2024

Easy to use app and competitive interest rates

I have found Zopa to provide an easy to use basic savings account, with competitive interest rates, often amongst the highest available. The app is really easy to use and it's very convenient to be able to separate money into various 'pots', some of which can be put away for a slightly higher interest rate for giving notice to access your savings - sometimes I find this option beneficial. Reviewed on: 8th January 2024

Helping you take control and managing savings.

Easy to set up and an excellent way to ensure you always get competitive interest on savings. Reviewed on: 8th January 2024

Zopa provides great savings accounts.

Zopa provides great savings accounts. Increasing rates faster and higher than main stream banking giants. Also being able to have access without forfeiting the interest rates unlike the big banks Reviewed on: 8th January 2024

So easy to use.

So easy to use. Quick and efficient. Great clarity. Super App. Reviewed on: 8th January 2024

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