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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)

Easy to use. Great savings rate

Easy to use. Great savings rate Reviewed on: 4th April 2023

Totally happy

I selected Zopa as it was a standalone savings bank I e. I did not need to open a current account. Their interest rates are very good and dynamic, constantly changing with the MPC base rate. They offer a number of different savings options which enables me to both have instant access to cash as well as keep some untouchable for set periods. I am totally satisfied with Zopa. Reviewed on: 4th April 2023

Best bank out there at the moment.

Simple and very quick to move money in and out and very favourable interest rate. Puts customers first and in my opinion is currently the best Bank. Reviewed on: 4th April 2023

Super savings accounts

Very quick and easy to set up and manage and everything is in plain English. Reviewed on: 4th April 2023

Easy and great value

Easy to use and offers a high rate of return. Reviewed on: 4th April 2023

Easy to use and quick to update interest rates.

I found Zopa very easy to use, love the separate pots and interest rates update very quickly. Reviewed on: 4th April 2023

Easy

Easy to apply and to use app. Could understand everything and have options for better savings accounts. Reviewed on: 4th April 2023

So far, so good

Opened a Smart Saver account with Zopa a few months ago and so far, I'm impressed. Rates are good, it's easy to use (by way of an app), speedy too. Compares very favourably with my old RBS accounts which are paying me peanuts in interest! Reviewed on: 4th April 2023

Super easy to join

Easy to join and great savings rates - can’t go wrong. Customer service are easy to contact and very responsive. Reviewed on: 4th April 2023

Easy way to Save

Saw a review in the press, so decided to start an account with Zopa. Being able to have different saving pots, with differing rates is genius, & so easy to use! Reviewed on: 4th April 2023

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