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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)

Excellent smart saver account

Super easy to set up, very clear and concise when using the app. I like how flexible it is and easy to add and withdraw money straight from/into my other accounts! Reviewed on: 4th April 2023

Best rate on the market!

Always competitive rates, responds quickly to BoE base rate changes, easy and quick deposit and withdraw, all on app so much easier Reviewed on: 4th April 2023

Easy high rate savings

Love that I can create pots for my money, so easy to use and can hold money in pots for specific purposes. Can easily boost the pots for higher rate of interest. Really innovative product. Reviewed on: 4th April 2023

Excellent savings account

It is easy to open and operate! The interest rate on an instant access account is definitely the best:) Reviewed on: 4th April 2023

Great rates!

Although I am a reasonably new customer, my interest rates have already increased to my benefit. Thank you! Reviewed on: 4th April 2023

Great rates & flexibility

No competitor offers the flexibility that Zopa does. Thanks to Zopa I can get great savings interest rates on separate savings pots. This is essential for keeping savings for different things separate. This flexibility has prevented me from leaving for anywhere else. Reviewed on: 4th April 2023

Easy to use with great returns

I was recommended to put some cash savings into a Smart Saver account. It was easy to open the account and to transfer funds. Reviewed on: 4th April 2023

The fair savings bank

Zopa unlike many other banks increase there. Interest rate for the customer promptly as well as giving a good savers rate. Zopa bank is also one of the easiest banking apps to navigate.. Reviewed on: 4th April 2023

Great adaptable account

Easy to set up. Simple to use app. Very good competitive rates. Excellent communication. Reviewed on: 4th April 2023

Easy and beneficial

Zopa is very easy to use and has decent interest rates. It is very straightforward making transfers online from bank and vice versa, as well as moving money into different savings accounts (ie 30 day notice etc). Wish all savings providers were this easy to use Reviewed on: 4th April 2023

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