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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)

Chuffed to bits!

So very happy I chose this bank as I see my savings grow every month, as the interest is deposited into the account. It gives me such a buzz! I also love the separate savings pots I can access to earn extra interest too! Reviewed on: 3rd April 2023

Easy setup

Online setup and id verification was fast and efficient. Reviewed on: 3rd April 2023

Zopa is extremely easy to use

I signed up with Zopa last year and have been using their smart saver. Their app is very easy to use, never had any issue with adding or withdrawing my savings. Zopa also updates their interest rates on a regular basis! Reviewed on: 3rd April 2023

Excellent savings account

Extremely easy to use, save and withdraw money. Excellent savings account. Would recommend. Reviewed on: 3rd April 2023

Easy to use and transparent

I was encouraged to use the savers facility by the great rates and found it easy to use with a great level of transparency! Reviewed on: 3rd April 2023

Great way of saving

Great service easy to use and trust the company Reviewed on: 3rd April 2023

Good rate

One of the best easy access savings rates. Easy to set up, easy to use app. Also can choose a slightly higher rate with boosted pots, which require notice to access. Reviewed on: 3rd April 2023

Competitive rates and a breeze to manage

After savings rates started increasing, I was looking to consolidate a number of the small pots I'd accumulated across various providers in one place. After finding out about Zopa from the Money Saving Expert site, and seeing that they regularly rated best for easy access rates, I downloaded the app and opened an account. It was a breeze to set up and within a short while I had several pots of savings, all gathering interest at a much higher percentage than my bank, building society and ISA were providing. Administration is a doddle and communication is kept to a minimum. I'd definitely recommend Zopa to friends and family. Reviewed on: 3rd April 2023

Great rates, easy to use

Finding this platform has really helped with my saving goals. It’s easy to use and the rates are very competitive. Reviewed on: 3rd April 2023

Very competive interest rate and easy access

App is easy to use and booster pots allow me to earn higher interest. The rate increases as the length of notice increases. Reviewed on: 3rd April 2023

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