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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

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4.82

Based on 8,149 reviews, last reviewed 17th 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

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.

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Zopa Smart Saver reviews (8149)

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

Easy peasy

An efficient and quick app based savings account. Set up had a small delay of a few days as my account details were not showing, so I couldn’t make any transfers but ultimately resolved. Decent savings rates, definitely worth consideration Reviewed on: 3rd April 2023

Easy to use

Very quick and easy to use. I'm happy with the service. Reviewed on: 3rd April 2023

Love it!!

I love how simple Zopa is to use. You can instantly see your savings and how it’s doing. I also love that you can have different pots for different things you are saving for!! Reviewed on: 3rd April 2023

Great Savings account

I set up this at the beginning of the year and love it, have already got my partner to open his own! Reviewed on: 3rd April 2023

Fantastic app

So easy to create the account and the app is so simple to use and has everything you need for a savings account Reviewed on: 3rd April 2023

Brilliant

Super easy to use and great interest rates.. have recommended to everyone Reviewed on: 3rd April 2023

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

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