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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)

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

They deliver more!

Great app, accessible savings with competitive rates Reviewed on: 3rd April 2023

31 day notice smarty aber great way to boost interest

Opening and managing the account was super quick and nominating accounts that can be used for payouts was straight forward and quick. 31 day notice account is great way to boost interest while only having a minimal commitment to lock in money. Reviewed on: 3rd April 2023

Makes it easy to save cash!

Incredibly user-friendly app, great support and very competitive rates means saving cash has never been easier.. No surprises its at the top of most savings account comparison tables! Reviewed on: 3rd April 2023

Soooo easy

We are saving for our wedding and the smart saver is so easy to use and transfer funds direct from my bank account. Also letting me set up different pots so we can give 90 days notice when we want to use some money allows us to have an interest rate of 3.5% why go anywhere else…thanks Zopa!! Reviewed on: 3rd April 2023

Good service and rate

Great app, good rate of interest, everything clearly explained Reviewed on: 3rd April 2023

Excellent savings account

We are really happy with our Zopa savings account. We chose the 31 day notice account and the interest rate easily beats other savings account rates. It remains competitive with every rate increase. We don’t have to close the account and open a new account to get the best rate. Zopa automatically ups our rate. I highly recommend Zopa. Reviewed on: 3rd April 2023

Simple, quick, and good interest rates

I've been using Zopa's Smart Saver service for a few months and it's been great. The app is simple, moving money around is fast and easy, and the interest rates are very competitive, especially once you start using the boosted pots. Reviewed on: 3rd April 2023

Excellent savings accounts

I like the way it is easy and efficient to add and withdraw funds. The interest rates change in a timely manner and the boost pots are really encouraging for savers to save for different things at different rates and notice periods. Reviewed on: 3rd April 2023

Contented

Excellent service combined with competitive interest rates. Reviewed on: 3rd April 2023

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