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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)

Easy banking easy interest

Love my Zopa, easy to open the account and so easy to earn interest!! If it wasn't for my Zopa I would not be able to put down a deposit on a new place that I am renting. Zopa expierence!! Reviewed on: 8th April 2023

A great Savings App

The Smart Saver from Zopa allows me to easily transfer funds into fixed savings pots. You can take advantage of better interest rates by locking in your money for a set period. The money transfer tool is also quick and easy to use. Reviewed on: 8th April 2023

Quick and Easy Saver

So pleased I chose this as a savings option. I can access my savings very, very quickly and the rate is constantly kept in line with changes in the finance world, unlike some other banks I could mention Reviewed on: 8th April 2023

Easy to use, great interest rates

I recommend Zopa to all my friends and family. The app layout is very accessible and is so easy to use. Transfers are quick, the different savings rates are well explained and the interest on my account is unbeatable compared to every other provider. After having money sitting in an account for over a decade earning pence interest, it's so nice to finally earn some actual interest on my savings. Reviewed on: 8th April 2023

Excellent product!!

User friendly and convenient app allows you to deposit and withdraw your funds at any time. Therefore, you can just keep your cash in the smart saver account, earning interest, and then withdraw when needed! Reviewed on: 8th April 2023

Simple and easy

Easy way to save and organise your saving pots. Reviewed on: 8th April 2023

Great interest rates, great communication, easy to use and manage

I love the different pots that you can create. The interest rates are very competitive and increase automatically. Moving money is easy and the display is simple and easy to use to manage your money. Reviewed on: 8th April 2023

Smart website

Easy to navigate the website and regular updates keep you on top of your savings Reviewed on: 8th April 2023

Great interest rates

Very simple to set it up and to see your money growing month by month! Reviewed on: 8th April 2023

Easy, flexible and lucrative way to save

Zopa is very easy to use. I can set up pots for different savings goals with different notice periods to maximise the amount of interest I can earn. Everything is very transparent and interest is compounded monthly. Reviewed on: 8th April 2023

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