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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)

Easy to use

Opening an account in zopa was smooth and the ease of using the app is something I would like to highlight about it. Reviewed on: 3rd April 2023

Cracking product - easy access saving app for Millennials & Gen Z

Market leading interest rates, superb app that makes transferring funds in and out super easy. Side pots can be created to save for specifics and those funds locked in at preferential interest rates. It's the perfect digital tool to save for something specific short, medium or long term i.e a holiday. car or house. Or to build savings regularly with no specific goal in mind. Zopa clearly know their target market and everything 100% thought through. 10/10. Reviewed on: 3rd April 2023

Spot on

The Zopa smart saver account works quickly and easily without fuss but with good safeguards. Easy to transfer between pots with a good % difference. When rates change notification is clear and simple. My rates went up in line with others saving me the hassle of moving. Overall a good product with great comms and customer service. Reviewed on: 3rd April 2023

Such a user-friendly account with great rates!

We have been really happy with our Zopa Smart Saver account. We are using it to house the savings that we have set aside for house renovations and have some money in an easy access pot, and the rest in another pot which requires some notice for withdrawals. The availability of different savings pots attracting different interest rates provides some great flexibility to spread savings according to how quickly access is required, with the advantage of higher rates in those pots where immediate access is not required. It’s been so easy to add and withdraw funds, and I’ve been really pleased that Zopa have increased their rates as the Bank of England has increased the base rate - it shows a forward-thinking bank which is keen to maintain the loyalty of its customers. I have already recommended this account to a friend, who has been equally happy having opened his Smart Saver recently! Reviewed on: 3rd April 2023

A great bank

Zopa is just brilliant ! I love it Reviewed on: 3rd April 2023

Great Company with Great Products

Zopa has zoopa products and a zoopa easy app to use. Thoroughly recommend. Reviewed on: 3rd April 2023

zoper

nice nice nice nice nice nice nice Reviewed on: 3rd April 2023

Excellent service

Started saving with Zopa this year and it has help me save with good interest rates, would highly recommend to anyone wanting to save Reviewed on: 3rd April 2023

Interest rates are some of the best around

Wasn't sure about banking through an app, with a relatively unkown (to me) bank so did a lot of research. I am glad I opened a savings account with Zopa as the interest rates are so good. The app is easy to use and I feel my money is safe as they covered by the same protection as any other bank. A great service so far. Reviewed on: 3rd April 2023

Simple Set Up and Competitive Interest Rates

I couldn’t believe how easy it was to set the account up. It continues to be simple to access competitive interest rates and to make transfers between my boosted pots. Highly recommended. Reviewed on: 3rd April 2023

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