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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

Smart Saver does what it says

Easy savings account. Good rate of interest. Reviewed on: 3rd April 2023

Happy so far

Easy to setup and good interest rates Reviewed on: 3rd April 2023

So easy and quick!

Like this bank as it's very easy to use, even as an older person. Also very quick. Great new way of banking great bank. Reviewed on: 3rd April 2023

No-nonsense and customer-focussed App banking

The set-up process for my savings account was effortless and straightforward. Transactions are processed like lightning and the app is intuitive and easy to use. Most pleasing of all the competitive interest rates and the almost instantaneous boosting of rates when the BoE rate rose. Reviewed on: 3rd April 2023

Competitive rates, excellent customer service

Very happy with Smart Saver and the options within it. Easy to move monies to and from my nominated bank account with the app. Excellent communications. Competitive interest rates. Reviewed on: 3rd April 2023

Zopa brilliant savings account

This account is brilliant - you can set up as many savings “pots” as you like and boost them to get different rates of interest depending on how long you can keep them in there. It makes saving so much easier than other accounts. Reviewed on: 3rd April 2023

It's easy to open and use

I had no problems opening this account or moving the money in and out. The interest rates are good and there's nothing not to like. Definitely recommended! Reviewed on: 3rd April 2023

Pots are great

Being able to secrete sums away at different interest rates, from an app, is really useful. Reviewed on: 3rd April 2023

Flexible account

The smart saver account allows you to have different pots of money depending on how much notice you can give to withdraw money. It's the most flexible account I have seen. Zopa are also very quick to increase interest rates every time the Bank of England rate has risen. The app is easy to use to keep track of your savings. Reviewed on: 3rd April 2023

Zopa smart and easy banking

Zopa smart banking which is easy to use. Reviewed on: 3rd April 2023

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