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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)

Top saver

Excellent simple account with great rates Reviewed on: 3rd April 2023

Straightforward to use

Great rates. In a world when you are in a hurry and just want a simple app to move your cash too, with a decent rate of interest…Zopa delivers Reviewed on: 3rd April 2023

Highly recommend

I recommended zopa to a work colleague today, we were talking about the cost of living and everything going up. We got into savings accounts and were taking about interest rates. I had just moved my money from another provider that weekend due to the interest rate. She was with the same provider. I told her about Zopa and she said she would try them too due to the high interest rate. 3.55 locked in for a year on a pot of money you did not intend to touch is great. Reviewed on: 3rd April 2023

Zopa excellent

I can find no fault with Zopa, the app is easy to manage and all transactions are straightforward. The interest rate is very good and quick to reflect any increase in the base rate. There is added incentive to save for specific goals. Reviewed on: 3rd April 2023

Excelent App

So easy to use!! Transfer of funds couldnt be easer, excelent interest rates. Reviewed on: 3rd April 2023

Smart Saver

The Smart Saver with the option for separate pots with different interest rates to choose from is the best savings I have ever had. Reviewed on: 3rd April 2023

Easy access

Really convenient banking app, very flexible, super quick service, great interest rates, would highly recommend! Reviewed on: 3rd April 2023

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

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