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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (8051 reviews)

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4.94

Based on 8,051 reviews, last reviewed 25th Mar 2026

82100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy to use App Zopa has a very easy to use App and provides excellent interest rates. Reviewed on: 25th March 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.

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Zopa Smart Saver reviews (8051)

Simple to open, simple to manage

Can open an account in a matter of minutes. Having multiple ‘pots’ allows one to ring fence savings for specific purposes. There are three tiers of interest to entice savers and in the short time I had an account, saver rates have been changed in line with the movement in BoE base rates. Reviewed on: 4th April 2023

Brilliant

It's so easy to get started on the savings account. The app is user friendly. The interest rates generally go up really quickly in response to the bank of England's interest rate rising. Reviewed on: 4th April 2023

Top for easy access interest rate

The best paying bank for easy access account with the options to increase rates if locking into a notification period as short as 7 days. App very easy to use and transferring money in, out or between “pots” very straightforward. Very happy with my experience. Reviewed on: 4th April 2023

Saving Account to Suit All Needs

Easy to set up and use, good rates atm, would recommend. Reviewed on: 4th April 2023

Excellent and super easy!!!

Great service, and it could not be easier for beginner investments! Zopa´s smart saver product has given me the confidence to start investing, as I was a bit scared and had very limited knowledge; However and so far, I am really happy with the service, the increases in rates and profits and all the support and communication that Zopa offers very often. I am very grateful, highly recommended! Reviewed on: 4th April 2023

Quick access savings

Before this account I had my savings in a bank earning nothing now I’m getting interest and I can access it just as fast as from my bank! Easy to set up and straightforward! Really pleased already recommended to others ! Reviewed on: 4th April 2023

Faultless

Simple to open & use a Smart Saver account & compared to the high street banks they pass on any base rate increases promptly....great service!! Reviewed on: 4th April 2023

Excellent interest rates

A variety of interest rates in one account. Very good mobile app easy and quick to use. Reviewed on: 4th April 2023

Easy, smart saving account

Just a simple to use at your finger tips saving account. Fantastic way to have saving pots and amazing up today competitive rates. Reviewed on: 4th April 2023

Love it

What a great and easy way to save at a great rate as well, and with the add on of earning a better rate for a rainy day. Well done Zopa Reviewed on: 4th April 2023

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