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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

97% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

ZOPA is quick and easy to use.

The interest rating is better than any other. Every time I have used ZOPA, it has been quick, easy, and hassle-free. It is so good that I have introduced it to family and friends. Reviewed on: 6th March 2026

Great app for saving money easily

I’ve had a really positive experience with the Zopa Smart Saver. The app is simple to use, the interest rate is competitive, and I like how easy it is to manage my savings and track my goals. Everything feels transparent and well designed, which makes saving money much more motivating. Overall, it’s been a reliable and stress-free way to grow my savings. Reviewed on: 6th March 2026

Convenient.

Convenient. Helps reduce spending. Reviewed on: 6th March 2026

The "Biscuit" Current Account: Zopa’s entry entry

The "Biscuit" Current Account: Zopa’s entry into everyday banking. It typically offers around 2% AER on your balance (up to a limit) and provides 2% cashback on eligible direct debits. Smart Saver Pots: A flexible savings tool that lets you split your money into "Access" pots (instant) or "Boosted" pots (7, 31, or 95-day notice) for higher interest rates. Market-Leading Regular Saver: One of their strongest hooks, often offering rates as high as 7.1% AER for customers who save monthly (up to £300). Zopa Credit Card: A "smart" card designed to help users build or manage credit with real-time notifications and no foreign transaction fees on spending. Borrowing Power: A unique tool in the app that gives you a "Zopa score" and tells you exactly what loan or credit rates you qualify for before you apply. Reviewed on: 6th March 2026

Great interest rates and a very easy to use App

Great interest rates and a very easy to use App Reviewed on: 6th March 2026

Good service, easy app operate,high interest rate.

Good service, easy app operate,high interest rate. Reviewed on: 6th March 2026

Customer service

Excellent customer service and clear website providing clear updated offers Reviewed on: 6th March 2026

Excellent market leading products

Excellent market leading products Reviewed on: 6th March 2026

Excellent and efficient service with easy access and...

Excellent and efficient service with easy access and prompt money movement in and out of my account Reviewed on: 6th March 2026

Excellent

Very good so far excellent app and have referd to all family and friends Reviewed on: 6th March 2026

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