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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)

Excellent service

Excellent service and I am really impressed with home w my account is served. Reviewed on: 3rd April 2023

User friendly with high interest rates

Zopa has a very easy-to-use app that allows the swift transfer of money from a linked account which can also be easily moved back. The interest rates are very competitive and are regularly increased to track the base rate. The app is so easy to use and transfers are done so quickly that I only keep a minimal amount in my current account because I know that if I need additional funds then I can get it in a few minutes. Where Zopa really excels is with their ‘boosted pots’ where the user can choose to lock away some of their money for a selected period of time and earn an increased interest rate on that money. Zopa is by far the easiest way to boost savings, and with them offering some of the best rates around, it seems like a no-brained decision to use it as my savings account. Reviewed on: 3rd April 2023

Brilliant saving account

Amazing instant access savings account. Easy to use through the app. Good rate of interest Reviewed on: 3rd April 2023

Good interest rate

Saving with Zopa is really good the interest they pay out is amazing and accounts easy to swap and open and moving money from one account to another so straightforward Reviewed on: 3rd April 2023

Happy saver

Great interest rates and easy to use app. Highly recommend saving with Zopa Reviewed on: 3rd April 2023

Good interest on savings

Would highly recommend Zopa for smart savings and credit facilities Reviewed on: 3rd April 2023

Best of them all

Great interest rates for your money and they move the rate to benefit savers as soon as possible! Reviewed on: 3rd April 2023

Good rates and easy to use

Recommended by Money Saving Expert. Easy to set up, I like that you move your money between fixed term and instant access accounts. Very competitive rates. The App makes it very easy to see where your money is and how much interest you are earning. Reviewed on: 3rd April 2023

Brillant

Brilliant App and interest rate for instant savings account with the option to lock some of your savings in for a higher interest rate should you want to. Reviewed on: 3rd April 2023

Making money management easy!

The app is user friendly, with information clearly displayed so you always feel informed and in control of your money. The Smart Saver has competitive interest rates so you know your money is working hard and interest added monthly is an incentive! Reviewed on: 3rd April 2023

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