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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)

Quick, easy, good value

Have used zopa in the past and this new product hits the spot Reviewed on: 4th April 2023

A great flexible savings plan with a healthy interest rate.

Great to be able to divide savings into different 'pots'. Good interested rates too. App very easy to use. Reviewed on: 4th April 2023

Great product

Easy to set up and manage with great rates. Reviewed on: 4th April 2023

Smooth experience and good rates

I wanted to sign up for an easy saving account with good rates. I chose ZOPA and I'm satisfied. The saving account is easy to setup. The user interface is pretty good. The saving rates are good and you also have several options (so-called 'boosts') that block your money for a certain period in exchange of a higher rate. Two things that could be improved: it usually takes 20 minutes for the cash to appear into your savings account (I would expect transfers to be instant); as a first-time user, I struggled a bit to add my nominated accounts (i.e. my current accounts that I use to transfer cash from/to the saving account). For this reason, I gave ZOPA 4 stars. I still have to test the withdrawal process. With a couple of little improvement, this company can become a jewel - good job so far! Reviewed on: 4th April 2023

Zopa

Excellent product. Good work. We’ll done. Reviewed on: 4th April 2023

Easy to use, great savings interest rates

Very easy banking app to use, competitive savings rates, would recommend Reviewed on: 4th April 2023

Outstanding APP & service!

I love Zopa Savings and I've tried most of the competition over the last year or so. The Boost option is brilliant. Keep up the great work! Reviewed on: 4th April 2023

Simple, accessible and great rates

The zopa app is so easy to set up and use, with great interest rates easily segmented into pots with different notice periods. Money transfers are super quick and they always update the interest rates quickly when the bank increases it! Reviewed on: 4th April 2023

Slow to rise,quick to cut Rate's

Give more back to customers,plus add interest on the weekend or add on the Friday before, people need this monthly interest with the Cost Of Living Crisis Reviewed on: 4th April 2023

Easy To Use, Good Interest Rate

Easy to use account and has a good day access interest rate. Reviewed on: 4th April 2023

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