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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 and best to respond to rate rises

Zopa's app is very easy to use and they respond well to rises in the base rates -- not true of lots of other banks. Also, I like the flexibility of boosting pots over different time increments -- it allows you to maximise the interest on money you can afford not to have easy access to without committing you to long periods without it. Reviewed on: 4th April 2023

A great, rewarding bank

Great app that is user-friendly and interest rates that are competitive: what’s not to love? Reviewed on: 4th April 2023

East Savings

The Zopa app has made setting up and using my Smart Saver account very straightforward. Reviewed on: 4th April 2023

Best high interest savings account

I found Zopa after doing much research into high interest savings accounts. I’m very careful with where I put my cash but Zopa ticked all the boxes on security as well as flexibility, fees, and of course, interest. Very happy I picked Zopa. Reviewed on: 4th April 2023

Quick and easy

A stress-free way for me to quickly top up my savings, with great rates. I can easily keep track of my finances with Zopa. Reviewed on: 4th April 2023

easy to use

very well set up account. no hassle account. Reviewed on: 4th April 2023

So so EASY and great RATES!!

Ii was looking for an easy to use account with differing options and great interest rates. I found it at Zopa. Love the App and everything just works so well. Reviewed on: 4th April 2023

Quick and easy set up

Setting up the account was quick and easy. ZOPA communicate frequently with updated to interest amounts and any changes to pots for example. Reviewed on: 4th April 2023

Savvy Saving

So easy to set up and simple to use. Great rate of interest on all the accounts. Have already recommended this product to friends and family. Reviewed on: 4th April 2023

So simple and smart

The Zopa smart saver is such a great idea and simple to use. You have full control of your savings and earn great interest. What’s not to like. Great job Zopa. Reviewed on: 4th April 2023

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