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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

Super fair and honest banking

I’ve had a smart saver for a while now and the service has been excellent. I get regular emails telling me when the interest rate has been increased and what effect it has on me - Zopa clearly like to pass on the rate benefits quickly and do it transparently. I really like the complicity of the app - link your bank account and you can add or withdraw funds instantly. Highly recommend Reviewed on: 9th April 2023

Simply worth doing

Wonderfully simple app with exceptionally good rates of return... and I absolutely love the pots and boosters. It genuinely meets my exact needs as a saver. Reviewed on: 8th April 2023

Easy to use apps and excellent saver rates and communication

Very easy to use apps and excellent savings rates. Great that the rates increased so quickly along with the bank of England increases so I park appreciate them passing on that advantageous interest rate for the savings accounts thanks. Reviewed on: 8th April 2023

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

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