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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)

Great Rates & Great Service

Quick and easy to open the smart saver account. Always ahead of the competition for savings rates. App is user friendly and effective. Communications on app and sent by mail are clear and succinct. Not one complaint :) Reviewed on: 3rd April 2023

Easy to use and high interest for easy access

I’ve found my Zopa savings account easy to use, and it has one of the highest interest rates for an easy access savings account. The rate has been going up recently too! Reviewed on: 3rd April 2023

Great rates

I enjoy having my money saved with Zopa as I can look at my account any time of the day or night and move things around with ease. Interest rates are great, very happy Reviewed on: 3rd April 2023

Fantastic, ground breaking products

Have been saving with Zopa from the early days of their innovative peer to peer lending platform. Always quick to help on the few times I had to reach out for assistance. Great app and simple to understand products with no fuss. Reviewed on: 3rd April 2023

best app based savings I've tried so far

The Zopa app is very easy to use both for making deposits and withdrawals and the app layout is easy to understand. Zopa has competitive interest rates which have been automatically adjusted when the base rate has changed, or soon after. With some other banks I have had to request 'issue' upgrades to benefit from higher interest rates. Reviewed on: 3rd April 2023

Brill and easy to use

This is a great digital bank. Very easy to use and to setup. Great to have money in various pots. So easy to navigate. Reviewed on: 3rd April 2023

Highly recommended savings account

The smart saves offers market leading interest rates for savers. Simple and efficient technology all in a mobile app. Reviewed on: 3rd April 2023

Savings made easy

Zopa savings is an easy and convenient way to put your money into a variaty of saving pots all in one place whilst getting a decent interest rate for an easy access Savings account. Having the flexibility to keep it in a longer notice pot at a higher interest rate. Reviewed on: 3rd April 2023

Nice rate easy to use

Nice & simple to use with great interest rates. Would recommend Reviewed on: 3rd April 2023

Easy to use

Great way to save, nice app, easy to use Reviewed on: 3rd April 2023

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