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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)

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

Makes saving easy and fun

I love that I can separate money into pots and how easy it is to lock in or have instant access. I’ve saved £5000 since using that I would have frittered away Reviewed on: 3rd April 2023

Fantastic savings provider

I chose Zopa for the favourable rates of their savings plans. They are amazing increasing the interest rates multiple times and always keeping me up to date with the latest news. They even sent an interest statement in case I needed it, 100% delighted. Reviewed on: 3rd April 2023

Slick app & decent interest rates

The app is intuitive to use and performs well (fast) compared with Chase (slow). Zopa also seem to be responsive to changing interest rates when the base rate changes and I like the concept of boosted pots with different time periods for tying up the money Reviewed on: 3rd April 2023

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