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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (8051 reviews)

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4.94

Based on 8,051 reviews, last reviewed 25th Mar 2026

82100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy to use App Zopa has a very easy to use App and provides excellent interest rates. Reviewed on: 25th March 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 (8051)

So easy!

My smart saver was so so easy to set up, I had money in in the same day and I don’t think I even got up from my sofa. Interest rates are higher than friends and family keep quoting to me. A no brainer! Reviewed on: 3rd April 2023

App-solutely Great Banking

So easy to use with clear pots for money to access or leave to earn interest. Simple to withdraw or add money in a couple of clicks. Competitive interest rates too! Reviewed on: 3rd April 2023

Easy to use and simple to navigate

So far my experience with Zopa has been positive. I have the easy access smart save, with a good interest rate while also being able to with draw when needed. The app is simple and clear to navigate. Reviewed on: 3rd April 2023

Top product. Top customer care. Top of the class

All of the above . Makes sense to maximise where we can. Reviewed on: 3rd April 2023

Hassle-free set-up and godd interest rates

I did my homework and found Zopa’s rates to be very comparative. Zopa offers different types of saving schemes to suit all needs and most of all one that suited me. Setting up my account was simple and hassle-free and didn't take long at all. The app is clear and easy to manage-navigate. I've not had any dealings with Zopa’s customer service team as yet. That said I get the feeling from the app and the tone of the monthly emails I receive I'm sure the team are be friendly and would be most helpful. Reviewed on: 3rd April 2023

Good savings rates

One of the most competitive rates on savings (best at times though market moves quickly). Good features with instant access or period-locked pots for slightly higher rates Reviewed on: 3rd April 2023

Easy to open, great rates

Account was easy to open; interest rates are changed rapidly in response to BoE rate. It's very easy to set up different pots to choose the best balance of rate and access - as well as helping you to delineate your savings by their intended purpose. Reviewed on: 3rd April 2023

Superb Savings Account

Easy to use savings account with easy access to higher interest rates for putting cash away a longer period. They also have useful timely communications so I know when my funds have been received and when the interest rate is changing. Reviewed on: 3rd April 2023

Excellent Savings

Simple, clear and unambiguous app based savings account. Competitive interest rates and straightforward to use. Reviewed on: 3rd April 2023

Easy and grate

Very easy to use and the app is very simple Reviewed on: 3rd April 2023

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