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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8147 reviews)

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4.82

Based on 8,147 reviews, last reviewed 12th Jun 2026

88% 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

Great to see interest building up due to great rates. Great to see interest building up due to great rates. The app is simple to use. It's really easy to add/withdraw money, or move it between Zopa accoun... Read more Reviewed on: 12th 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.

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Zopa Smart Saver reviews (8147)

Best savings rate

Easy to use and competitive rates Reviewed on: 5th April 2023

Great Saving Account

Zopa Smart savings is a great account if you want to save money and earn a great interest at the same time. Its easy to use and manage online and via the app. Reviewed on: 5th April 2023

Highly recommend!

Easy to work and manage my accounts on the app and customer service always replies to you as soon as they can. Not to be mention the great interest rates which are far higher than some high street banks! Would definitely recommend! Reviewed on: 5th April 2023

Decent % and more choice

At a time when most banks are offering pitiful interest on savings, Zopa are offering market leading returns and the option to get a little more by the different notice periods. I find this useful as I know I may need X amount in the next month but y amount may not be required until 3 months time etc. Reviewed on: 5th April 2023

Excellent savings account

Easy to set up, great app, brilliant rates, speedy updates to rates if the BoE changes. Reviewed on: 5th April 2023

Smart saver

Great rates and really easy to use. The ability to have multiple saving pots in one place is brilliant. Reviewed on: 5th April 2023

Great account - very easy to use!

Easy set up and competitive rate of interest. Easy to use app! Reviewed on: 5th April 2023

The Cow Jumped Over the Moon!

Yep yep hey diddle diddle!!..... In simple terms I am super happy and thrilled with my account! Extremely efficient, easy to use and very informative. So pleased I discovered you when researching! The ZOPA word is now part of my vocabulary to promote such a fab service! Have swung a few folk and father on to it! Thank you Reviewed on: 5th April 2023

Easy Savings!

Saving with Zopa has been easy, fun and flexible! I love that I can lock money away for different lengths of time to receive higher interest rates, and also keep some available for instant access. The app is very easy to use. Happy customer! Reviewed on: 5th April 2023

Best Saver

I easily opened a saving account with Zopa . Rates are great. You can boost your rate by saving more or long term. The App is excellent. Easy to move money around. A fantastic modern company putting customers first. Reviewed on: 5th April 2023

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