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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)

Market-Leading Rates, No Hassle

Super easy, no cost, flexible and easy to use app, and always at the very top end of rates available. Recommended Reviewed on: 3rd April 2023

Easy with great interest

Easy to navigate, great interest, and other tools. Thanks Zopa! Reviewed on: 3rd April 2023

Easy and High Percentage

Zopa is easy to use and pays great interest. Very good Reviewed on: 3rd April 2023

Excellent savings account

Love the layout of the app. Very clear and easy to use! Haven’t had a negative experience so far with it Reviewed on: 3rd April 2023

Easy to set up ,user friendly and great interest.

I have nothing but praise for ZOPA . Great app which is very easy to use ,very easy to set up and a great range of savings accounts which reward you with better rates the longer you lock your money in . I have recommended ZOPA to many of my friends who now also have Zopa accounts including my family. Reviewed on: 3rd April 2023

Superb

Nothing negative to say. Save monthly, see interest added monthly. Easy access. Love Zopa. Reviewed on: 3rd April 2023

Lives up to expectation

A savings account easily accessed by app, with a choice of pots and interest rate according to notice one needs to access funds. Zopa has been quick to increase interest rates in line with base rate increase, which saves having to keep monitoring best buy tables. Reviewed on: 3rd April 2023

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

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