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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)

Excellent

Being a rate Tart I have moved my savings several times, often with stress involved with ensuring all boxes are ticked and my password doesn't include my birthday or my favourite breakfast ingredient - we all know the drill. Zopa was a lot simpler yet still secure. Since moving to it the rates, and the specific pots that you can create for different reasons, have remained easy to access, understand and move. Money paid in, or taken out happens quickly without the lag so you are not sitting around waiting for confirmation. All in all highly recommended. Reviewed on: 4th April 2023

Simple to set up and use

Best savings account from far at the moment. Reviewed on: 4th April 2023

Smart saver

Excellent product and services. I have got a great interest rate on my account Reviewed on: 4th April 2023

Really competitive savings account

Really positive experience with Zopa regularly improving savings rates Reviewed on: 4th April 2023

Easy way to save

This account has a really easy app to use and makes it really easy to save. No hassles at all so far! Reviewed on: 4th April 2023

Zip Zap Zop-a-ing into my life

New customer after discovering zopa has a higher saving interest rates compared to other providers. "Boosted pots" for a fixed time is a really nice way to help save money for different things in life. Really easy to use. I was really worried that it is going to be troublesome to "give notice" for the boosted pots but in fact it's really easy, with one-click of a button. No need to write email/letter. Such a simple way to manage my finances. It is also fscs protected for peace of mind. Would recommend! Reviewed on: 4th April 2023

Simple and easy

Zopa has made is so easy to manage my savings, separate them into pots and has great interest rates! Reviewed on: 4th April 2023

Simple to use, great interest rates

I found Zopa when I was looking around for a savings account option that gave better interest rates than the high street banks. Zopa is super easy to use and makes it so simple to set up multiple savings 'pots' to organise your savings goals. Plus, there is also the option to 'boost' a pot and earn even more interest on your money depending on how much notice you want to give in order to access your money. Transferring money in and out is a simple process and usually only takes about 10 minutes to receive. Reviewed on: 4th April 2023

A very good app

It does not get any easier and more efficient than Zopa smart saver After opening account. Simply open your banking app and follow simple instructions to transver or withdraw money and choose your smart saver product too rat3sxof intrest in this sector and more if your willing to tie up for up to 95 days I love this product and feel very confident and most of all safe using it Reviewed on: 4th April 2023

Seamless expierance

Saving on line is always a scary experience but with Zopa my fears were diminished very quickly, in fact it was a seamless experience and my confidence grew the more we used them. Best interest rates ever with a very user friendly APP what's not to like! Reviewed on: 4th April 2023

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