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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.821431115566817736 (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

Best service, best app and best of all top interest rates Reviewed on: 3rd April 2023

Amazing

So simple to set up an account and transferring money could not be simpler. Me and my partner both have saving accounts with Zopa and would recommend to everyone Reviewed on: 3rd April 2023

Easy and good value

The app works well every time. The security is manageable. Moving money is easy, and interest rates are excellent. Reviewed on: 3rd April 2023

Great interest rate

Zopa provide service and simplicity with top rates of interest Reviewed on: 3rd April 2023

Easy to use

Love Zopa! It's easy to use, speedy with any customer support and a great savings product to boot! Reviewed on: 3rd April 2023

Easy access good rates

Good rates, which you can increase by locking away funds for longer periods. App easy to use, very flexible to move money between accounts. Reviewed on: 3rd April 2023

Brilliant

Zopa has been great way to build my savings I would recommend to anyone! Reviewed on: 3rd April 2023

Great bank

Good and speedy service and a good interest rate. Reviewed on: 3rd April 2023

Time to Save

I have opened a Smart Saver with Zopa. The account is helpfully linked to my Zopa Credit Card account and easily accessible on the App. I have transferred money in and out of my Zopa savings instantly and with ease. Although I hope I’m transferring money in more often than out! Especially with the standing order with my bank. A great way to start saving Reviewed on: 3rd April 2023

Brilliant!

Very easy App to set up and use. Never an issue accessing any money I wish to withdraw and it’s an immediate transfer. Interest rates increase either before a rate rise or immediately after a rate increase by BoE has been announced. Always notify of interest rate increases in a timely manner. Never had cause to make contact in to operate my account. The Pots if chosen have tiered interest rates dependent upon how much notice needs to be given to access the account, and a date is set for when this will be available, therefore the customer does not need to work this out. I have nothing but praise for Zopa and highly recommend to anyone seeking a financial institution which offers precisely what it says, and in a timely and professional manner. Reviewed on: 3rd April 2023

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