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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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8149)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 2023

Best flexible, easy access savings

The savings boost option is amazing and is a great way of having an easy access savings account but also being able to access higher savings rates Reviewed on: 3rd April 2023

Best banking app

Me and my family all bank with zopa excellent service Reviewed on: 3rd April 2023

Best savings account around

Superb rates with instant access and very easy to pay in. Reviewed on: 3rd April 2023

Simple and Good Value.

Having never used an App for banking before. I was pleasantly surprised at the simplicity of using it. I transferred my savings from my main bank as the interest rate was much better. My main current account bank also agreed they could not offer the same interest rate. And confirmed that ZOPA was a recognised bank. Which was reassuring. I love the easy way I can check it on the app and build up savings for my future house. Reviewed on: 3rd April 2023

Excellent savings account

I am very happy with the savings account that I have with Zopa. They make it very easy to manage my finances and the interest rate is one of the best on the market. Reviewed on: 3rd April 2023

Zopa smart saver

Easy to set up the app great interest rates no fuss just great banking Reviewed on: 3rd April 2023

A great savings product

Good interest rates. Easy to get your money out when needed. Covered by the government savings guarantee. I would highly recommend zopa. Reviewed on: 3rd April 2023

Competitive, efficient and good customer service

Used Zopa for loans and savings, really easy to use and responsive customer service. Reviewed on: 3rd April 2023

Top service

Easy to set up your account, the app is a doddle to use and the savings rates are competitive. Not much more you can ask for. Overall very pleased with Zopa and will recommend to family and Friends alike. Reviewed on: 3rd April 2023

The best ever!

Great rates, and they regularly update them after changes in base rates. It's a really well-designed app. I've recommended it to other people who just want an easy way to invest at top rates. I like the fact that you can move money into different zones - I don't know any other company that does that. Reviewed on: 3rd April 2023

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