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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)

saver

very happy with all products from Zopa and one of best saver rates Reviewed on: 3rd April 2023

Flexible savings made easy

Easy account opening , clear app and good rates Reviewed on: 3rd April 2023

Savings

They are very quick to act when the interest rates go that’s why I stated to save with them Reviewed on: 3rd April 2023

Best in Bussiness and easy to use the

The app is easy to use. My favourite thing about Zopa is how fast it is to transfer money to personal account. KEEP IT ZOPA!!!! Reviewed on: 3rd April 2023

Great rates, very user friendly

Zopa has been great to use from day one. The account was very easy to open and extremely simple to move money backwards and forwards. Above all, interest rates have kept pace with bank rate increases. What could be better? Reviewed on: 3rd April 2023

Smart and Easy savings

You get great rates and a simple to use app with this provider giving instant information on your finances! + Full protection for your money up to £85,000 under FSCS scheme so would recommend. Reviewed on: 3rd April 2023

Amazing and flexible

Love the way you can add different pots with different rates and best of all. If I want it, I can access my money instantly. By far the best reason I use Zopa is the fact they automatically increase the rates so I don’t have to shop around each year. Reviewed on: 3rd April 2023

Market leading rates

App is very functional and rates are repeatedly the best. The slight downside is the rate increases are reactive rather than proactive however they 100% look after their customers better than the high street who have kept their rates consistently low for years. Reviewed on: 3rd April 2023

Does what it says on the can!

No fuss, no mess. The saving products cover all bases for the majority of individual savers and the app is very convenient and easy to use. The rates offered aren’t market leaders but remain attractive enough for everyday savers who aren’t millionaires. Reviewed on: 3rd April 2023

Excellent Experience

Very happy with Zopa! The app is great, easy to transfer money to and assign savings to pots. The pots themselves are a great feature, as is the flexibility with how you access/higher interest rates. The interest rates are good even on the instant access pots. Can't fault it all. Reviewed on: 3rd April 2023

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