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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)

Refreshingly easy

Interest rates honestly follow the market with no delay. Very easy and flexible processes make it a pleasure to be part of. Reviewed on: 3rd April 2023

Excellent service

Easy to set up on line, such good interest rates and easy access. Reviewed on: 3rd April 2023

Superb savings offering

Zopa has such an easy savings account offering - I was able to get full flexibility on my savings to allow me to lock up cash to suit my needs. Very innovative and very user friendly! Reviewed on: 3rd April 2023

Quick money transfer to nominated bank

Instant access interest rates increases rapidly in zopa. Quick money transfer to nominated bank and deposit also quick. Notification of all transactions received by email and mobile by zopa. Reviewed on: 3rd April 2023

Simple Savings

Easy to invest and also gain access to your savings when needed. Zopa quickly reflect and pass on increased interest rates following Bank of England base rate increases. Everything is easy to manage with Zopa, highly recommended. Reviewed on: 3rd April 2023

Brilliant and Efficient

Zopa is simple, easy to navigate and smart. I am a very satisfied investor and would recommend!! Reviewed on: 3rd April 2023

Easy!

Such an easy account to set up and manage with no complaints at all! Reviewed on: 3rd April 2023

Great service

I have been with Zopa for a relatively short period of time but that time has been easy and hassle free….I can top up my savings in just a few minutes and it’s nice to see those savings for myself and my grandson grow. The team are on hand if you need any help or support. Reviewed on: 3rd April 2023

SMART SAVER.

Hi all, I am extremely satisfied with Zopa's Smart saver account. Very easy to open an account and very useful facility of opening different saving pots at different rates and times. Easy to deposit and withdraw 27/7 with the App. Add no fees to this and you now have the perfect package. They also top the best rates for an App. Well done Zoa, I highly recommend. Reviewed on: 3rd April 2023

Zopa- great interest rates and so easy to use

I discovered Zopa via Laura Ann Moore, Money Mindset Expert on Instagram since lockdown. It is so easy, set up and use. The Interest rates for the primary account is competitive and i love the fact that i can add money to my Rainy Day account when i am feeling financially flush. An easy way to save for those unexpected times that lay ahead! Reviewed on: 3rd April 2023

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