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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)

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

Simple money earner

Minutes to set up the account and instantly earning interest at top rates. So easy to use, even my 100 year old mum could use it Reviewed on: 4th April 2023

Best Saving Bank

Having found Zopa is one of the best things I have done, great savings rates and a great Booster Pot idea Reviewed on: 4th April 2023

Easy way to save with great interest rates

The Zopa app is really easy to use and you receive a notification and email every time you add or withdraw money. It's also great how you can open up different saving pots if you're saving for specific things, and you can also choose whether to keep them instant access or with 30 days or longer notice (with more interest). I've now got my 88 year old dad using it too! Reviewed on: 4th April 2023

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