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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

Good savings account

This is a very good savings account as it lets you move different amounts of money into individual pots with different interest rates. Therefore I can get a higher interest rate by locking away my money but the time period is not too long to wait before I can get hold of the money again. This is better for me so I don't have to use a fixed term savings account of 1 year to get a good interest rate on my savings. Reviewed on: 5th April 2023

Easy, Convenient

Very simple to set up accounts, good incentives to use different pots and all on my phone. Reviewed on: 5th April 2023

Great, easy savings product

Easy to set up, rates get passed on, I'm notified when my money has arrived and the boosted pots feature gives me control over my savings all in one place. Reviewed on: 5th April 2023

The best interest rates

This was such an easy account to set up, the app is clear and allows easy access to accounts. Transferring money is equally simple and the interest rates are outstanding. Reviewed on: 5th April 2023

Zopa - Trusted, Rewarding and Convenient

Absolutely brilliant Online Savers account, market leader to offer most competitive savings rate first in the market. I have online savers with 3 other banks but experience with zopa is outstanding. Less complicated app, terms, easy to understand process. Reviewed on: 5th April 2023

Just a great app and great interest!

Lovely app to save with and it’s all in one place for you to manage and monitor! Reviewed on: 5th April 2023

Best savings account

I have money in 3 different easy access accounts and Zopa gives me the best rate of interest by far Reviewed on: 5th April 2023

Excellent service and excellent rates of interest.

Credits to the account are practically instantaneous. Excellent service and excellent rates of interest. Reviewed on: 5th April 2023

Great service and app

Great service and app would recommend to all money in bank in 2hours Reviewed on: 5th April 2023

Hassle free and secure

Zopa makes saving easy to do and plan with their various different projects for saving you can have on your account. As well as this, the set up process was really quick and efficient and all your management can be done from your phone. Although it takes a while for money to show up on your account after it has been transferred, it is a good app and solid way to bank. Reviewed on: 5th April 2023

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