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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)

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

Brilliant savings accounts

Zopa are really good for savings accounts, easy to use online and they let you know really quickly when money has been paid into your account. Reviewed on: 3rd April 2023

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

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