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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)

Easy to use

The whole process is easy to use and easy to see what is happening to my money. Reviewed on: 4th April 2023

It's great

Very easy to use this product and a great app Reviewed on: 4th April 2023

Super Savings

Does exactly what you'd want it to do, in the way you'd want it to. Easy to use. Easy to understand. Good rates. Reviewed on: 4th April 2023

Amazing no fuss bank

Zopa has enabled me to take control of my savings and introduced me to saving pots with different rates of interest which can be used to suit my needs Reviewed on: 4th April 2023

Smart Saver: Simple and effective

Zopa's Smart Saver account comes packaged in a simple mobile-friendly app, gives competitive rates of interest, and keeps you informed on all transactions and rate changes. Reviewed on: 4th April 2023

Making saving very easy

I found opening a savings account with Zopa was incredibly easy. Transferring money into my savings pots is very swift and instant. The app is intuitive and I like that you can create "pots" of savings yourself so that you can keep track of progress towards a savings goal. It's also great to be able to take advantage of higher interest rates by locking the money away for fixed periods of time. And the interest rates are very favourable! Reviewed on: 4th April 2023

Smart Saver is Super

I'm so happy with Zopa Smart Saver. It offers several different interest rates all visible in one exceptionally easy App. Each interest tier can be separated into pots for different purposes ie one for a holiday, one for a car etc. Very easy to move money to and from your bank. I've already recommended to a friend who has set hers up. The interest rates are great too. And now they have fixed rate savings to offer. All protected up to £85,000 by the FSCS. This is a very happy customer. Reviewed on: 4th April 2023

Cannot be beaten

Their saving Pots are unique I can plan short and long-term savings in one savings bank account. They are also very quick to increase the rates when the BOE announces a change. Zopa is impressive. Reviewed on: 4th April 2023

Easy to manage via mobile app banking

Saving rates are updated very quickly based on BoE base rates and remain one of the more competitive ones in the market. Mobile app is very easy to use. Registration and verification were done entirely via the app, which meant opening account couldn’t have been easier. Reviewed on: 4th April 2023

Great Online Bank

Simple to use, excellent communications, speedy response and the best savings rates all at your finger tips! Reviewed on: 4th April 2023

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