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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)

Straightforward

Zopa Smart Saver does exactly what you expect in a straightforward and easy to use way. Reviewed on: 3rd April 2023

High Interest flexible savings account

I love this savings account as it allows you to set up to 20 pots of savings and boost your pots for up to 3 months allowing you to earn a higher rate the longer the notice you give. Overall a great idea for saving up for the items you are wanting to purchase. Reviewed on: 3rd April 2023

Easy, convenient and good rates

Very easy to set up, easy to use app, good rates and great UI. Overall great service and product Reviewed on: 3rd April 2023

Great rates & super-easy app

Saw Zopa highlighted on Money Saving Expert site. Really good rates (I think market-leading at the point I opened the account) and the app is really simple to use. Like the boosted pots, too. 10 out of 10! Reviewed on: 3rd April 2023

Smart Saver with good interest rate

I have invested in Smart Saver Scheme on Zopa. I am impressed with 2 things : 1) Interest Rate 2) Flexibility to access money So far the best investment I have done. Reviewed on: 3rd April 2023

Good interest and flexible saving

Freedom to put money into pots with different interest rates is very convenient. Interest rates are updated rather than staying static like a lot of other savings account. Easy to use, flexible and good rates. Reviewed on: 3rd April 2023

Excellent

Very easy to set up and use. The alerts make sure you know what’s happening and the interest rates are great. I have recommended to all my family and friends Reviewed on: 3rd April 2023

Easy to set up & good rates

I like the straightforward approach Zopa has. Everything went quickly and the savings rate is much better than the usual suspects such as HSBC etc. Reviewed on: 3rd April 2023

Excellent Savings provider

Easy access and brilliant idea to allow separate savings pots with varying interests rates dependent on your savings goals. I've had a few savings accounts and joined Zopa earlier this year and so far so good. They are by far the best savings provider I have had to date and regularly increase the interest rates in line with the Bank of England rates. Very Happy customer so far. Reviewed on: 3rd April 2023

Perfect saving partner for students working whilst studying in university

Good! Giving me surprise every 28 days!! As a student at King’s College London, I used worried about my savings and I just put my money in my bank account with no interest at all!!! But after I put my money in zopa and I got this kind of feeling to put as much my part time job pay as I can. But one problem is that when I receive my payment from the company, I won’t put them into the smart saver at the moment I get them. I usually put them few days later because I need a few days to deal with bills and everything, so the previous boosting pot can’t be accessed and I can’t put my money into it. And I can’t earn more interest by just leave them in a the regular pot. So is it possible to access the boosted pot by only putting money into it but no taking out during the notice? That’s it, all the problem I have and you guys are doing perfectly all the time!!!! Reviewed on: 3rd April 2023

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