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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)

The best in the business

Really happy with Zopa & there competitive interest rates, will recommend to anyone Reviewed on: 3rd April 2023

Easy, smart and best value.

Really easy to manage the smart saver with the app. I like having different pots that help me reach goals all in one place. Clear easy access information on each saving rate that I have. Really easy to transfer funds in and out of too. I've managed to use the account to look after my house deposit. Highly recommend to anyone wanting to be in control of their savings whilst still being flexible. Reviewed on: 3rd April 2023

Best savings rate

Easy to use ap Best savings rate for instant access Reviewed on: 3rd April 2023

Great rates

The interest rates are very high and competative as well as activley increasing the rate over time Reviewed on: 3rd April 2023

Great company to deal with

Since i have been saving with Zopa, it has been very easy to deal with them. I am always kept up to date with what is happening with my savings. The one time i had to ring them for some advice, the person i spoke to was friendly & spoke in plain English when giving their answer. Reviewed on: 3rd April 2023

Super easy savings

I opened 2 accounts earlier this year and regularly top them up with transfers from my current account. It's quick and easy to do. The interest rate has risen recently which is a bonus too! Reviewed on: 3rd April 2023

Amazing, organised, easy way to save!

Zopa has a fantastic app which helps to organise all of my money into handy ‘pots’ each with different access. The interest rates are amazing and regularly increase so that I can earn extra on my savings! I like the longer access pots as the interest is higher & it stops me from being able to access the money as easily; encouraging me to save. Perfect for my long term savings accounts! I also love the instant access pots, they also have high interest which is paid monthly. With these pots I can access my money within 2 hours. I can label each pot appropriately to keep my money organised and still in one place. Zopa has made saving fun & easy! Will always recommend the smart saver!! Reviewed on: 3rd April 2023

Great app and virtual market beating rates

Top class banking with excellent rates and ability to spread funds across different notice periods for increased rates. Reviewed on: 3rd April 2023

Amazing

Absolutely amazing I couldn’t ask for a better savings account. Reviewed on: 3rd April 2023

Excellent

Easy, straightforward savings scheme. Reviewed on: 3rd April 2023

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