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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 17th Jun 2026

89% 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

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8148)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 2023

Customer service

Great customer service easier to follow app Reviewed on: 4th April 2023

Simple, Clear and Effective Saving

The Zopa savings App is just perfect for someone who leads a busy life and wants to self manage their savings in an easy, efficient and tech savvy way Reviewed on: 4th April 2023

Zopa accounts

Zopa has given and trusted me with my smart saver and two loans I’m very happy with my relationship with the bank it’s been great thanks Reviewed on: 4th April 2023

Easy use and access

This account is great to use as you can future plan your savings for the short term and long term using the smart saver pots. The communication is good and the changes to interest rates are applied in a timely manner. The app is easy to use especially with adding and moving money. Reviewed on: 4th April 2023

Without Complications.

From opening the account to date everything is made easy to understand and I am kept up to date with any changes very promptly notified. Certainly interest rises have been applied with haste and always seem to be just that bit higher than competitors. First class service. Reviewed on: 4th April 2023

Zopa Savings

Just recently opened a Zopa account on line So easy to look after your money & they keep you informed every step of the way Reviewed on: 4th April 2023

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

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