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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)

Easy set up

Found it extremely to apply for a savings account. Easy to use & regular good communication. Very happy with my experience & really helping to save. Reviewed on: 3rd April 2023

Easy account with great gains

Easy account to open and manage via the app, market leading rates and they pass higher rates on to customers as rates change. Would highly recommend 5* Reviewed on: 3rd April 2023

Great Rates and Nice App

Great interest rates and an easy to use App! Also good communication on changes to interest rates. Very happy with Zopa! Reviewed on: 3rd April 2023

Great

Easy apo to use to save money, love the separate 'money pots' can see at a glance what I am saving for Reviewed on: 3rd April 2023

Easy to set up and access

The app is so easy to use and set up, even for a technophobe like me Reviewed on: 3rd April 2023

Easy peasy

Really straightforward tonset up. Just download an app, enter a few details and youre away! The offer really competitive rates and they are really flexible Reviewed on: 3rd April 2023

Fantastic savings account

Zopa smart savings account is a product that I highly recommend to friends and family who are looking for a savings account that provides excellent returns. The interest rates are amongst the best on the market and are constantly updated to match market rates. There are a number of accounts with varying rates to match the customers needs from long term savings to short term gains. Interest is paid in monthly and compounds each month so the more you save/longer you use the greater your savings become. Overall I find Zopa to be a user friendly, easy to use app and it has made saving money extremely easy for myself and a number of my friends and family. Reviewed on: 3rd April 2023

Very flexible easy to use

I love having different pots with different notice periods to gain different interest rates. It is so easy to transfer money in, swap money between pots and withdraw money into your designated current account. It does exactly what I want in one place with very competitive rates. Reviewed on: 3rd April 2023

product and value

Their smart saver has several rates to cater for individuals, good rates too, applied fairly quick after B.O.E. increases unlike most providers, easy to use app even for 'oldies' like me, two other family members use it , could recommend it enough. Reviewed on: 3rd April 2023

Great rate summary

great range of rates of different types Reviewed on: 3rd April 2023

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