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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

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

Very good very epic

Very good very epic I like saving money Reviewed on: 5th April 2023

Good to Go

Not having been with Zopa very long, so far I have had a good experience and hope that will continue. Seem efficient and website well set up. Reviewed on: 5th April 2023

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