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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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8149)

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

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

Great savings rate

Great savings rate and easy access Reviewed on: 3rd April 2023

Zopa is best to save your money and loan, I recommended you and come thanks me later

Zopa is best to save your money and loan, I recommended you and come thanks me later Reviewed on: 3rd April 2023

A totally fresh approach to banking!

I just love Zopa! From the clean and intuitive user interface, to the helpful "Discover" feature where relevant tools and products are recommended to help save me money. The fact they offer some of the best interest rates around is just a huge bonus! Reviewed on: 3rd April 2023

A Great Find!

Along with competitive interest rates, the account was very easy to set up & use. Reviewed on: 3rd April 2023

Easy to set up, great rates

I’d never used Zopa before and, having read some reviews, decided to open a savings account. It was very simple and quick to do, and offers a very competitive rate of interest. Reviewed on: 3rd April 2023

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