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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

Zopa easy saving.

Great way to save and allocate different saving reasons whilst getting the best rates. Carnt recommend them enough. Just don’t know why it took me so long to cotton on! Reviewed on: 3rd April 2023

Fair interest and easy app.

Fair interest and easy app with quick deposits and withdrawals. Highly recommended. Reviewed on: 3rd April 2023

Reliable and competitive interest rates

Have been using Zopa about a year now , was abit dubious to start with as I didn’t know much about them , but no need to worry the have been very reliable and feel completely safe with them looking after my money Reviewed on: 3rd April 2023

Highly recommended

Great app, fast to update rates, great experience overall Reviewed on: 3rd April 2023

Savings made easy!

Love saving with Zopa! App is so easy to use and understand. Saving rates are very competitive. Would 100% recommend. Reviewed on: 3rd April 2023

Great savings pots

Zopa gives you amazing saving rates on their standard instant access account and enhanced on limited access accounts, which helped me save without withdrawing. They also don’t let people put in more than that covered by the FSCS, which I think is very responsible. Nice to have a bank that looks after and values it’s customers!!! Reviewed on: 3rd April 2023

Smart Pots - Best Way to Save

I absolutely love that i can split all my savings in to smart pots each with different APR's depending on what notice i need to give, I used to have different accounts for each type of saving I was putting money in and now I simply have one account, I love it Reviewed on: 3rd April 2023

Excellent!

Very easy and straightforward account with a great rate of interest. Have recommended to friends and family. Reviewed on: 3rd April 2023

Great savings

Easy to set up and use and track your savings in separate pots. Always updating the interest rate too and is competitive. Wish I’d moved my savings over to Zopa years ago! Reviewed on: 3rd April 2023

Zopa are fantastic

Zopa provide fantastic customer service and offer the best rates of interest. Reviewed on: 3rd April 2023

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