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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, easy to access & withdraw my money.

Really impressed with Zopa. The interest rates on savings are some of the best for easy access. I like that you can get even higher rates for notice periods and easily give notice in the app, so for example if you’re saving for a holiday and know it has to be paid off in a certain month it works perfectly for that scenario. Setting up the account initially was done within half an hour from application to the account going live!I It is also very straight forward to move money to your current account, and also from it. Reviewed on: 3rd April 2023

User-friendly app and great flexibility

It’s really easy to add and withdraw funds as well as setting up and moving between’pots’. All within the intuitive app which makes it easy to manage savings on the go. Reviewed on: 3rd April 2023

Great smart account

Excellent service and great savings rates. Reviewed on: 3rd April 2023

What's not to like!

Great company. Account easy to open, fast transactions with instant bank transfer and one of the best interest rates available. Reviewed on: 3rd April 2023

Great app great rates

Great service with a fantastic app, flexibility and great competitive rates. The pots that can be locked for set times for additional interest allow you to block out finds for specific things whilst earning the best interest rates, and choosing your flexibility. Reviewed on: 3rd April 2023

Amazing!

I love Zopa! I have a savings account & a personal loan with them, nothing but amazing service, fantastic support, the app is so easy to use & I love that the savings account allows you to create boosted pots to save for something special at a better interest rate. Just brilliant, can't recommend them highly enough.....thanks Zopa xx Reviewed on: 3rd April 2023

Great app, great service, great rates!

The app is so easy to use. It is well laid and out and accessible and the rates on Zopas products are second to none Reviewed on: 3rd April 2023

Fantastic saver

Zopa has been a great way of saving my money, they make it so easy to manage and stay on track. Reviewed on: 3rd April 2023

Super smart account

Easy to open the account and save. Interest rate is great and rises awarded quickly. very easy to deal with. Reviewed on: 3rd April 2023

Easy access and good rate of interest

I have easy access on my phone so l am able to check my accounts very quickly at any time of the day and also get early instruction to any changes in the rates to enable me to make any changes to my accounts Reviewed on: 3rd April 2023

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