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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

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.

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Zopa Smart Saver reviews (8149)

Great interest rates

Easy to open the account and great interest rates. I like that each month the statement shows the interest that has been earned and added to the balance Reviewed on: 3rd April 2023

Great interest rates and easy to use

Great interest rates and easy to use Reviewed on: 3rd April 2023

The Best for the customer

Easy access always available fab customer services and best rates. All boxes ticked to the max. Reviewed on: 3rd April 2023

Zopa are all you need, look no further.

Great rates but STILL the first to raise them. Great app too. Really pleased I moved to them. Reviewed on: 3rd April 2023

Recommended to everyone, simple and straightforward

Excellent product. I love the simplicity of the app and it's so easy to use. I know at least 4 people who've opened accounts since I recommended. Particular praise goes to Zopa's relatively speedy follow when rates rise. Reviewed on: 3rd April 2023

Great range of saving options

Lots of high interest short term savings, I am currently using it for a few months until I can find this years ISA Reviewed on: 3rd April 2023

Great savings account

The smart saver account is easy to use, quick to transfer and withdraw from, Zopa are prompt to let you know of any rate changes. Reviewed on: 3rd April 2023

Saver Account

Can't fault Zopa. Competitive interest rates. App is very easy to use. It is easy to top up my savings account from my current account. Can't fault them. Reviewed on: 3rd April 2023

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

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