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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (8051 reviews)

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4.94

Based on 8,051 reviews, last reviewed 25th Mar 2026

82100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy to use App Zopa has a very easy to use App and provides excellent interest rates. Reviewed on: 25th March 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.

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Zopa Smart Saver reviews (8051)

Great Flexibility and Pots for Savings Plans

Simple to open on line account where I was able to set up different savings pots and could set notice for withdrawals at instant access,, 31 days or 95 days access. This gives great flexibility and sets a clearly visible target for savings pots which I could title myself (e.g holiday) but also gives an overall savings balance. Also very easy to pay in and withdraw via Zopa App. Reviewed on: 31st May 2023

Fantastic and realisable

Zopa are great because they are easy and clear and easy to understand. Reviewed on: 31st May 2023

So easy and great interest

I’ve told all my family about this simple, easy to use savings company. Love the tiered options and great app. Reviewed on: 31st May 2023

A great find

I found zopa product easy to navigate and putting money in and withdrawing very easy to do and quick,they give good rates as well. Reviewed on: 31st May 2023

Great savings account

The Zopa app is very easy to use and makes setting up one off or recurring payments easy. I like being able to rename all of the pots so I know what I’m saving towards and having slight differences with different lengths of notice for access is motivating too. It also helps that their interest rate is amongst the best. Reviewed on: 31st May 2023

Does what it says on the tin

Excellent for saving for multiple purposes, limited access helps save without the worry of using it easily Reviewed on: 31st May 2023

Great service

Easy to set up! Easy to operate. Terms straight forward, no messing, no nonsense and great interest rates! Reviewed on: 31st May 2023

Great app

Great app, so easy to deposit and withdraw funds. Zopa are quick to raise their interest rates inline with the BOE base rate rises as well. Reviewed on: 31st May 2023

Excellent alternative to the bank

Easy app-based banking with really good interest rates compared with high street banks Reviewed on: 31st May 2023

Simple to run using the app

Very simple to run the account via the app with both deposits and withdrawals dealt with extremely quickly. Interest rates are very promptly adjusted to reflect BoE base rates. Reviewed on: 31st May 2023

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