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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

Easy setup, good rate of interest

App based account easy to set up competitive rates of interest and tiered rates for linked savings. So simple to use and see balances Reviewed on: 4th April 2023

Very easy to use

Zopa is brilliant - so easy to set ylup and transfer money and the choice of savings is very clear and easy to understand. I love the way you can open different savings pots for specific projects rather than having everything in one pot. The pots help to see how much you've built up for a holiday or kitchen project, for example. Reviewed on: 4th April 2023

Simple to use, feels less corporate.

I’ve had a longer term relationship with Zopa having been a fan of their innovative peer-to-peer lending. It just seems they’ve kept their great values and transferred some of their innovation and person-centred approach to the new platform. I like it. Reviewed on: 4th April 2023

Simple banking

Easy to set up an account and to manage it. Reviewed on: 4th April 2023

Good job guts

Been great really easy and great interest Reviewed on: 4th April 2023

Safe, trustworthy and great results quickly

I unexpectedly found myself in a position of having a large settlement after a break up and house buy out. I found myself very uneasy as I wasn't particularly knowledgeable about savings and investment, having used cash ISAs in the past to save for a deposit. I used Zopa for a car loan years ago and so I felt safe with their service and enjoyed using the app. When I had researched savings accounts I knew this would be the best option for me. In the 3 months I have used the account, I have already earned a great amount in my Smart Saver utilising the boost pot for a higher interest rate. I am so happy with Zopa and my parents are looking to open an account with them very shortly. Reviewed on: 4th April 2023

Future of saving

It has been a while since someone came up with a proper innovation in savings. Zopa have achieved this. The rates are very competitive and the flexibility top notch Reviewed on: 4th April 2023

Great rate, great app

Best in market interest rate. Very good app, super easy to use Reviewed on: 4th April 2023

A great service

I have nothing but praise for Zora. They offer a great hassle free service and one that has run smoothly for me since I started using them. Reviewed on: 4th April 2023

I've recommended Zopa to everyone!

Incredibly easy to set up, I love being able to have multiple pots to help achieve my savings goals and higher interest rates than my bank account. Reviewed on: 4th April 2023

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