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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 Saver

Easy to set up Easy to use Handy to keep separate money pots Useful having a range of fixed pots at different interests & for different time periods Reviewed on: 5th April 2023

Accepted straight away, money straight in my bank

No hassle applying Money in my bank straight away Easy affordable monthly payments Easy app to navigate to keep on top of your payments and help you keep on track Would 100% recommend Reviewed on: 5th April 2023

Excellent Savings Account

Really easy to use, great interest rates, love the functionality of the separate “pots” with different interest rates! Reviewed on: 5th April 2023

So easy, so effective, love it

I found myself at Zopa following a recommendation from Money Saving Expert. The smart saver account has a great basic rate, and the booster pots allow increased rates for short term savings. It's all super easy and with rates this good, I'm telling everyone about Zopa Reviewed on: 5th April 2023

savings

Great rates. and good to be able to put money into separate pots to save for different things, app is also easy to use Reviewed on: 5th April 2023

Great interest rate and easy to use

I have been really happy with Zopa. The returns are good for a high street bank, and the app is very easy to set up and use. Reviewed on: 5th April 2023

All round excellent

Applied for a personal loan. Got a very attractive rate which was confirmed in an instant. Communication has been excellent. Really good app. Highly recommended. Reviewed on: 5th April 2023

Consistent market-leading rates

App is sooo easy to use compared to other clunky apps. Excellent market-leading rates which are updated promptly and ahead of their competitors.. The range of boosted pots available is really useful. Reviewed on: 5th April 2023

Easy, Simple & Flexible

Easy to set up, quick to put up the interest rates and great flexibility to lock different savings pots on higher rates by fixing the notice period. Reviewed on: 5th April 2023

Great rates, easy to use

Great rates, often market leading. App is extremely easy to sign up and use. Easy to move money into boosted pots for higher interest. Like that all pots are visible on the home screen so I remember to give notice. Reviewed on: 5th April 2023

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