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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8144 reviews)

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4.93

Based on 8,144 reviews, last reviewed 18th Apr 2026

122% 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:

5

Easy to use app with automated payments from current... Easy to use app with automated payments from current account into smart saving and regular saver pots. Getting salary paid into the current account un... Read more Reviewed on: 18th 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.

Zopa Smart Saver reviews (8144)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 2023

Nice simple flexible product with good rates.

I like the app and the selection of terms and good rates Reviewed on: 3rd April 2023

BEST SAVING ACCOUNT I HAVE FOUND

I was introduced to Zopa by my partner. So easy to set up. Easy to add to the savings pot. pays worthwhile interest. Advises of changes to interest rates and actions immediately. Easy to use App. Very straightforward. No confusing jargon or App navigation. Definitely recommend 5* Reviewed on: 3rd April 2023

Best app ever

The app is so easy to use. It’s a doddle to open and even easier to deposit and move money. If you want a product that has competitive savings rate with a super efficient app then can’t be any better out there Reviewed on: 3rd April 2023

Great way to save

Easy access and good rate of interest which increases with bank rate. Simple on line access easy to top up or take out. Highly recommended. Very happy Reviewed on: 3rd April 2023

Easy

User-friendly and simple app-based banking, with very competitive interest rates and a flexible, diverse range of 'booster pot' options. Reviewed on: 3rd April 2023

Just brilliant

Since I opened this account it's been brilliant. From the communications from the company to the amazing interest rates it's been a great experience. Also the are of being able to access and maintain my account with ease. Reviewed on: 3rd April 2023

Easy saving

Zopa - easy to set up and save with excellent interest and so easy to use. Choose the plan that you want based on the access and have multiple pots to control your savings I would 100% recommend Zopa Reviewed on: 3rd April 2023

Good rates and an easy app

Good savings rates that keep up with the BoE, and a secure app. I like it that you can secure the app with a different password to your phone to keep my savings very safe. Deposits and withdrawals are easy, directly with my bank. Reviewed on: 3rd April 2023

Easy to use

Very easy to use, transparent, good rates for instant savings Reviewed on: 3rd April 2023

Good Savings Rates

The rates are good; and I find ZOPA user-friendly. Reviewed on: 3rd April 2023

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