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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 17th Jun 2026

89% 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

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8148)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 2023

Great offers

Great offers and a really easy to use app. Reviewed on: 3rd April 2023

Great product and tech

By far the best product and supporting tech that are out there. Reviewed on: 3rd April 2023

Impressive savings

Really easy to manage savings through the app but most importantly good rates that have increased as soon as interest rates have changed. Highly recommended. Reviewed on: 3rd April 2023

Game changer!

Zopa is brilliant, i must have recommended it to everyone i know at this point. Being able to save into different pots has been a proper game changer to me, i can have all my savings in one place but still split into what I need. Originally moved to Zopa as their saving rate was the best (i think this might still be true) but I’ll stick around for the pots and the ease of use. Could not recommend enough Reviewed on: 3rd April 2023

Very competitive

Smartsaver is very flexible, giving you the opportunity to adjust your fix depending on your circumstances. Zopa is always competitive and increase their rates promptly after an increase in the BoE rate. Highly recommended. Reviewed on: 3rd April 2023

Great service and savings account

I found opening and operating my Zopa savings really easy and the process is very customer-friendly! The interest rate is also very competitive. Reviewed on: 3rd April 2023

Zublime Zopa

Efficient, easy to use, well explained, fair and friendly service that makes it easy to save in a secure setting. Reviewed on: 3rd April 2023

Easy to set up and use with good interest

I mainly transferred money to Zopa to benefit from good interest rates. Setting up boosted pots makes it easy to budget and move money around and all transactions have been intuitive, quick and easy. I’ve had no reason to contact Zopa so can’t comment on service. Reviewed on: 3rd April 2023

Great

Been using Zopa when they were peer to peer and they paid all the money back during COVID, even though it took a while. Happy with savings and the fact they increase them when the base rate goes up.. Still my best instant access rate. Reviewed on: 3rd April 2023

Easy and user-friendly saving account

It is easy to set up and manage and also get automatic interest rate updates. It takes very little to pass money into the account. Highly recommended. Reviewed on: 3rd April 2023

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