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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd April 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 (8052)

Good service

I have an excellent experience with the app, my only complaint is it took a bit of time to get started with my account. Reviewed on: 3rd April 2023

Brilliant!

Great idea with the smart pots, it really puts the control in the savers hands. Interest rates always ahead too and they don’t leave you on a lower rate whilst offering new customer a higher one. Reviewed on: 3rd April 2023

Transparent, easy and fair.

I have been with Zopa almost since the beginning. I was disappointed when the peer to peer lending finished and it became a bank. However I am pleased with the rates offered and think Zopa are fair in that they constantly update in line with rising interest rates. Everything is very clear and easy to understand and access. Reviewed on: 3rd April 2023

Easy to use app. & top rates.

I am a luddite when it comes to most online usage but even I found the Zopa app. easy to use. Opened an account in under 20min. and have been using it weekly ever since. The interest rates a regularly adjusted to take into account the Bank of England rate rises and are usually the best on the market. Reviewed on: 3rd April 2023

Great savings account

They look after your money and you are always able to withdraw. I like the app too and the notice periods always give you a reminder when they are up! Reviewed on: 3rd April 2023

Easy to manage savings

Smart saver account is easy to access and manage through the app. Simple to set up extra savings pots, transfer between pots and bank account and can boost pots to earn higher interest rates. Would definitely recommend! Reviewed on: 3rd April 2023

Saving has never been so easy!

It was so quick to set up the account and add regular money transfers. It’s great having different notice periods for access if you are worried about getting at your money quickly! I’ve never been much of a saver but I’m determined this will be my year and Zopa has been the best starting point! Reviewed on: 3rd April 2023

Great rates & easy to use

The app is super easy to use and the rates are very competitive. Brilliant service Reviewed on: 3rd April 2023

Great saver!

Very pleased with the Zopa Smart Saver account, very easy to use and the rate is good. Reviewed on: 3rd April 2023

Quick to reflect increases in base rate

Very easy to use and offers the best easy access rate. Brilliant Reviewed on: 3rd April 2023

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