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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 to use

Quick and easy on the ball keep.you informed all the time Reviewed on: 4th June 2023

Convenient account with competitive rate

The Zopa Smart Saver is very easy to set up and manage via their mobile banking app. The rate is also competitive and is quick to respond to changes in the Bank of England base rate. Really impressed. Reviewed on: 3rd June 2023

Great Interest, Flexible & Easy To Use App

Always offer very good interest. App is very easy to use and there is excellent flexibility with being able to add to or withdraw from savings very simply. A nice straightforward savings app. Reviewed on: 2nd June 2023

Excellent savings account

The ability to save in various pots is a game changer, and fixing them for slightly enhanced rates. Would be 5 stars if they allowed automatic splitting to pots when scheduled payments go in Reviewed on: 1st June 2023

Zopa Smart Saver

Good rates, incredibly easy to use, very user friendly, excellent communication. Reviewed on: 1st June 2023

fantastic service

this app is so easy to use, great rates, highly recommend Reviewed on: 1st June 2023

First-Class Company

Love Zopa, their savings account offers great interest rate, their app is lovely to use - happy customer Reviewed on: 1st June 2023

so useful!

I use zopa all the time, its really helped me manage my money! Reviewed on: 1st June 2023

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

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