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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8148 reviews)

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4.82

Based on 8,148 reviews, last reviewed 13th 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

Brilliant online savings account with high interest... Brilliant online savings account with high interest rates offered on account opening. Reviewed on: 13th 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 (8148)

Easy access saver

It’s a saving account that’s easy access! Reviewed on: 4th April 2023

Does what it says...

Easy to set up, minimum hassle, easy mobile dashboard. It's the future Reviewed on: 4th April 2023

Easy to use app

Access through app anytime, easy to transfer money in with regular update, also deals offered to save money on Reviewed on: 4th April 2023

Great Savings Account with savings pots

Great saving accounts with both good interest rates and allows you to separate your savings into separate pots which is really helpful. Easy sign up process and easy to use Reviewed on: 4th April 2023

Super smart saver

Really happy with the smart savings account with Zopa. You get to name your own savings pots to begin saving for different life events. Great idea!. I've opted for the 31 days notice to bag the higher savings rate. Its a thumbs Reviewed on: 4th April 2023

Easy to use platform, flexible and competitive savings products

Zopa can do what traditional banks can’t. The savings rates are strong if not quite market leading, but the flexible lock-away options offer a competitive edge and the platform is beautiful and easy to use. Keep up the great work - Zopa, Zo good! Reviewed on: 4th April 2023

Great Flexible Savings Account

Been with Zopa now for a fair few months. What I like is that you get your interest added on to your balance every month. Also they keep you inform of the up-to-date interest rates. Also a wonderful idea to be given the chance to boost your accounts if you choose with as little or as much as you like allowing a notice period to be given before money gets released. Withdrawals are easy and lands in your appointed account within a few hours. The app is very user friendly. All in all a fabulous all round service. Reviewed on: 4th April 2023

Saving made easy

Great savings account, easy to open & xfer funds also automatically increased interest rates in line with the Bank of England rises so very happy. Reviewed on: 4th April 2023

Flexible saving

Zopa's savings account lets you put your cash in separate pots with varying interest rates depending on the length of notice required for withdrawal. Interest is paid monthly and the rates track as the base rate moves. Operated via a mobile app it is easy to keep track of your money and move it to where it will work hardest for you. Reviewed on: 4th April 2023

A Real Partnership

Zopa is very easy to work with, once the account has been set up conducting transactions is very simple. It's also easy to move money between notice savings accounts. Reviewed on: 4th April 2023

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