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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)

Brilliant Product

Really simple to use and setup and offer really great rates. Reviewed on: 4th April 2023

App based savings account

Easy to use App based savings account. The option of multiple “pots” allow for different savings interest rates defined by easy access or fixed period. Deposits and withdrawals are not instantaneous but usually within two hours. Reviewed on: 4th April 2023

Simplicity

Great interface, easy to operate and find anything you need Reviewed on: 4th April 2023

Fair interest rates

The interest rates have been lifted twice since opening the account. I also love the concept of being able to "boost" some parts of your savings for an even better rate. The app is very straightforward so regular saving is easy! Reviewed on: 4th April 2023

The best savings accounts at one of the best rates

Zopa's services is amongst the best I have used so far, their rates are very competitive with other ones in the market, the online setting is very straight forward and the flexibility offered in how you can deal with your money and different saving pots is just fantastic. Reviewed on: 4th April 2023

Easy way to save

The smart saver account allows me to save for different things, with great rates and easy ways to transfer money. The app is very easy to use and I love being able to see my savings grow. Reviewed on: 4th April 2023

Great experience

I’ve had the smart saver with Zopa for about 8months. Very easy to use. Clear layout, easy to add and withdraw money. Like that you can set up and name different ‘pots’ with different rates depending on how much notice you want to give. Zopa automatically update rates as interest rates rise and email you to let you know - great at passing on rate rises to customers Reviewed on: 4th April 2023

Amazing

And so good. Rates go up all the time. Well communicated. Easy to use app Reviewed on: 4th April 2023

Good rates and love the boost!

Good rates for instant access and the boost facility is excellent. Would have given 5 stars if there was a 60day boost too. Reviewed on: 4th April 2023

5*

Really easy to save with great interest rates and selection of types of accounts! Have already recommended to friends! Reviewed on: 4th April 2023

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