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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

84% 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

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

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

Easy to use

Really easy to open the account and use the app. Moving money around the account is simple and taking money out is really quick and easy. Reviewed on: 9th May 2023

Great!

Easy app to register and use. Great rate and service. I'm a first time online saver and an old.timer in my sixties but Zopa has made it easy and. Great! Reviewed on: 30th April 2023

Amazing pots saver

I have been using Zopa for a while now and they are really reliable and will tell you when the interest increases and the customer service online chat is ready handy if you have any questions! It’s amazing being able to store your money in to pots and being able to see them all there! Reviewed on: 14th April 2023

Easy to use and good interest rates

Love the different pots option and the interest rates are really good Reviewed on: 12th April 2023

Great Bank

Zopa is a great Bank to manage savings. The App is easy to use, and when withdrawing or adding money it's quick and easy. The interest rate is constantly good and has kept pace with the recent interest rate rises. I would highly recommend this trusted bank. Reviewed on: 12th April 2023

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