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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

112% 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

Does exactly what it says and very easy to use

Love this saving account - very simple to set up and use. Instructions are clear and concise. Reviewed on: 3rd April 2023

Zoospendous saving platform

Good % rates, easy to use with simple ways to earn more interest by boosting the amount % earnt by locking it away for varying notice periods Reviewed on: 3rd April 2023

Simple to use & competitive interest rates

It’s very simple to use, the interest rates are frequently updated & the interest rates are competitive. Reviewed on: 3rd April 2023

High interest rate, convenient app, no fluff!

Using Zopa is so convenient. I don't have to deal with a bloated app, or worry about whether I need to call, or go to a branch. Add to that the high interest rate on the account and boosted pots, and I am very happy Reviewed on: 3rd April 2023

Smart saver

Happy to keep any surplus cash on Zopa than on current account, easy access. Smart savings with different pots available with possibility to lock money for certain time (keep you from unnecessary spend and goal saving). Reviewed on: 3rd April 2023

I love saving with Zopa Bank

Great rates, account features and overall good service. Thank you for making saving easy!! Reviewed on: 3rd April 2023

Best app based savings account available

Unlike other companies Zopa increase your interest rates automatically Reviewed on: 3rd April 2023

Straightforward, efficient and flexible

The app is very easy to use. I like that you can choose different 'pots' for saving, e.g. 'holiday' and can gain slightly higher interest by opting for seven days notice of withdrawal. Reviewed on: 3rd April 2023

Amazing

I think the interest rate is competitive, the app is amazing, and easy to go through. I love the saver account and the pots are amazing... I already told my family and friends about it... Reviewed on: 3rd April 2023

Easy to use and very competitive.

Great experience from my daughter and recommended it to both me and my wife, so we now have two accounts with Zopa. Reviewed on: 3rd April 2023

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