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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 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

Great Smart Saver Account!

Simple to set up, easy to use, great interest rates, quick money transfer and allows you to set up different saving pots. I have recommended to lots Reviewed on: 3rd April 2023

A brilliant bank with an excellent easy to use app

I’ve found Zopa an excellent bank and their app is brilliant and easy to use. The interest rates are extremely competitive for their savings accounts. They move the interest rates up as the BOE increase the base rate. A fantastic bank that I would recommend to anyone. Thankyou Zopa! Reviewed on: 3rd April 2023

Simple to open account !

Great bank , really easy to open an account and have no issues since ! Reviewed on: 3rd April 2023

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