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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

No drama

Everything is so easy. The app is clear, no nonsense. Quick to use and Zopa have increased interest quickly after a rate rises, unlike my old savings account. An option that suits everyone. Reviewed on: 7th April 2023

User friendly service

Very intuitive and user friendly account with good interest rates and flexibility. Reviewed on: 7th April 2023

Exciting saving opportunities

I found setting up an account with Zopa easy and straightforward. Everything was dealt with online and after the necessary checks it was easy to get started with savings. The ability to add multiple named pots makes it fit the needs of savers aiming to put money aside for the different purposes. This nicely matches the rate differences at the differing notice periods for long, mid and short term savings goals. Reviewed on: 7th April 2023

Interactive.

Easy to use and great range of options. Reviewed on: 7th April 2023

Making saving easy

So easy to set up the account and link my current account. Money moves quickly with a quick touch of the button Reviewed on: 7th April 2023

Fantastic savings product and timely rate increase

Fantastic savings product and timely rate increases, they increase saving rates just a few days after the bank of England. App is easy to use too. Reviewed on: 7th April 2023

Smart saving system

Very flexible saving pots that makes it very easy to adjust to your current requirements Reviewed on: 7th April 2023

Quick and simple

Love the app and competitive interest rates! Reviewed on: 7th April 2023

Ahead of the pack

Zopa interest rates were well ahead of most other banks. The others have now woken up but I’m afraid they have missed out. People can’t hang about waiting for there bank who they have been with for years to up there interest rates when banks like Zopa are giving such good rates Reviewed on: 7th April 2023

Interest rates

Have used Zopa for a loan many years ago. Decided to look at them for savings rates which I found very competitive and they update them when interest rates change unlike the high street banks. Keep up the good work!! Reviewed on: 7th April 2023

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