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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 advice

After my loan ended Zopa gave me the advice to use some loan money and put into savings Thank you Zopa. Reviewed on: 3rd April 2023

Excellent rates, easy to use app

Brilliant app, easy to 'boost' your rate. First class! Reviewed on: 3rd April 2023

Instant access savings with a great rate

Easy to use app; instant access savings with excellent rates; ability to use different savings pots for different savings goals. Would recommend to everyone. Reviewed on: 3rd April 2023

Recommended to everyone I know

Instant access different pot options love it also the interest rate is constantly going up no need to get another account Reviewed on: 3rd April 2023

Good interest rates

Excellent rates and regular updates to reflect the latest interest situation. Good ideas of offering differentiated products Reviewed on: 3rd April 2023

The perfect virtual savings product

This virtual, app based savings account is “spot on”! Exactly what one expects and needs: easy to use, flexible, good rates that are quickly updated to reflect base rate changes, different pots that you can ‘boost’ the rate on if you do not need instant access to your money. Great idea! Top product that I would (and have!) recommended highly! Congratulations Zopa! Reviewed on: 3rd April 2023

Excellent

No problems whatsoever. So easy to use and access money if and when needed and all instructions clear Reviewed on: 3rd April 2023

Great for savers

So easy to set up and keep track of your savings and being able to separate into different pots is great for to see how they grow Reviewed on: 3rd April 2023

Fab savings

Very easy to save, makes managing money easier can save in different pots. Good rate of interest and easy to get money out when wanted Reviewed on: 3rd April 2023

Simple, easy, and rewarding savings!

I joined Zopa in January after my previous ISA interest rate practically went down to zero!! I read a lot of reviews on different banks and Zopa seemed to be the best so I went with them. It was really easy to move my money over and I’ve already earned over £100 in interest. The app is easy to use and you can clearly see how much you have in each pot. Absolutely brilliant, highly recommended. Reviewed on: 3rd April 2023

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