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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)

Brilliant

I've used a lot of bank savings accounts over the years. I've found that normally to get a good rate you end up with an account with minimal to zero online presence and involves sending off letters, etc etc.. Zopa has been the easiest account to open in my life. And when you get the account it is easy and quick to manage to. Gone is having a notice account and an easy access account with often to seperate banks and having to do multiple thing on seperate days to transfer it etc.. With Zopa it's all in 1 place and the interest rate is fantastic. I've already reccommended it to 3 members of my friends and family Reviewed on: 3rd April 2023

Excellent

Effortless banking on a fantastic banking app. Absolutely no complaints! Reviewed on: 3rd April 2023

Simple, great user friendly product.

Simple to use and navigate. I've found the smart saver a great way of setting aside money for a rainy day or to help save for that must have item. Interest being added monthly/when notice comes to an end is really encouraging and demonstrates the benefits of saving better than other products I've used before. Reviewed on: 3rd April 2023

Easy banking

Easy banking and great interest rates Reviewed on: 3rd April 2023

Great interest

Easy access savings with good interest Reviewed on: 3rd April 2023

Good rates, easy to use

Good rates, easy to use. Friendly app. No issues Reviewed on: 3rd April 2023

Simple and great

I would recommend it so far. Simple to use, I have not had any issues with the service so far and I have been using it for 4 months. Reviewed on: 3rd April 2023

Always offers best rates

Tracks the market to give a great rate and adjusts their rate accordingly. No need to move money around. Reviewed on: 3rd April 2023

Why look anywhere else!

Zopa offers a simple instant saver account thats vastly superior in both “terms and conditions” as well as a huge interest rate compared to mainstream banks. When other banks are offering just over 2% with withdrawal limits, Zopa knocks it out of the park with the starting saver over 3% and no limits. The option thereafter to have higher interest pots that do come with some conditions it’s fantastic and they are still far better than other banks best rates! Reviewed on: 3rd April 2023

Easy savings

I love how I can set up pots, and fix each pot's term and interest rate according to when I'll need the money. It's helping me keep track of how much money I have for what and it has been a godsend. Reviewed on: 3rd April 2023

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