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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

Zone of possible agreement

Zopa usually has the highest interest rate and is also the quickest to increase it. The flexibility to create pots and boost them gaining more interest is great. Only con is you cannot put more than 85k in. Reviewed on: 6th April 2023

Great saving app

Easy to use, easy access, great service. Reviewed on: 6th April 2023

So easy to set up

I set up an account on line and have already earned great interest, unlike high street banks the interest rate rise is passed on as soon as it goes up. Monthly interest added to savings is great Reviewed on: 6th April 2023

Easy peasy savings

Everything about using Zopa has been easy and I'm a happy saver as a result. Reviewed on: 6th April 2023

Great

Great customer service. Great I terest rste Reviewed on: 5th April 2023

Great interest rates

Easy to use bank account with excellent variable interest rates for savers depending on how long money needs to remain in the pots Reviewed on: 5th April 2023

Always follow through.

Easy and accessible online control. Never had any issues and communication is always spot on. Reviewed on: 5th April 2023

Easy, safe and competitive rates

As an online service the account is simple to manage and importantly maintains a competitive rate of interest. Reviewed on: 5th April 2023

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

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