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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)

good rate user friendly

Zopa are among best instant access rate and the app is very user friendly Reviewed on: 4th April 2023

Easy to use and manage

Set up was so easy and I was up and running in no time when I opened my account six months ago. Reviewed on: 4th April 2023

Love Zopa Smart Saver!

Love how versatile this account is and the fact that I feel in control of my money. I love the boosted pots and the fact that I can have both an easy access pot and boosted pots. This enables me to increase interest on money I wish to lock away for varying amounts of time, 7 days, 31 days & 95 days, the choice is there! If needs be I can keep all money in my easy access pot. It’s really simple to move money back to the easy access pot if I need to, just by giving the correct amount of notice. All easily done on the Zopa app, if I can do it, anyone can! Simply amazing, I love this account! Highly recommended. Reviewed on: 4th April 2023

Great rates with a great app to manage

Love the app, and the different savings buckets with differing rates you can apply. Makes savings goals easy to manage and track Reviewed on: 4th April 2023

Great % rates!

Zopa was suggested to me as I wanted an easy way to make my money do more I.E. higher interest rates whilst being able to access the money I may or may not need and store away the money that I wanted to gain more on. Overall, can’t complain. Reviewed on: 4th April 2023

Copa with Zopa!

Zopa gives me Hopa! Had no problems with saving with Zopa. I like its attached to my ‘normal’ banking but not held there (less chance of losing my cash if phone lost etc), plus they share the interest rate increases all the time which a lot of banks don't do anymore. That shows they understand their users plus realise every bit really helps in todays financial situation. Thats why Zopa is a ‘Topa’ bank! Reviewed on: 4th April 2023

Great company

If you're looking for a loan or savings account try Zopa. Great rates, great return on savings. Reviewed on: 4th April 2023

Easy to setup & add/move money

The account was very easy to setup and add details to transfer money and also add new accounts for longer term savings Reviewed on: 4th April 2023

Best interest rate

Great customer service and excellent interest rates Reviewed on: 4th April 2023

Simple and flexible saving made easy

Easy way to save regularly, app works well and the option to split the cash out into specific pots of money is a nice option to have. Withdrawing and adding money is a breeze too. Communication is great which eases any anxiousness around a digital bank. Reviewed on: 4th April 2023

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