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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

Excellence

Very easy to use, information that I need is displayed and easily readable. Nothing hidden and I know exactly where I stand. Reviewed on: 3rd April 2023

Very simple to use

I had been nervous of app-based savings as I was worried about complexity, however this couldn't be easier to use and the interest rates are very competitive. It has helped me to save more often Reviewed on: 3rd April 2023

££ Great Rates ££ Simple to use ££

Great app, simple to use with competitive rates. Reviewed on: 3rd April 2023

Most flexible and highest interest rates!

For years I've had multiple bank accounts and continually swapped funds between them to maintain the best interest rate possible. However, since finding the Zopa Smart Saver I haven't needed to swap money around anymore as Zopa continually provides the highest interest rates and best flexible options (7 day, 31 day and 90 day options). Why other banks don't do the same I've no idea! Reviewed on: 3rd April 2023

Simple, valuable and effective - wish I'd done it sooner

The app and pockets (for putting money away longer for better interest) work like a dream. I've set up regular payments and can divert them to holiday / house fund (to access in a month) or for rainy day savings to access when. I need to. So smooth and efficient - wish I'd done it sooner Reviewed on: 3rd April 2023

Excellent

With 5 types of pot to choose from, it has to be the best online savings account. Zopa have kept up with all bank of England interest rate increases. Reviewed on: 3rd April 2023

Instant savings management

Speedy to set up, clear app, easy control of savings, simple to move money around and good rates Reviewed on: 3rd April 2023

So easy

Using Zopa has been a breeze we are we are we are with Lloyds Bank and we get diddly squat in terms of interest so we have started moving money across to Zopa and with immediate access getting 3.42% interest it’s so easy to use and to make things better. They pay interest monthly could not recommend this more highly Reviewed on: 3rd April 2023

Great easy to use saver

Brilliant savings app which alters the rate quickly in response to Bank of England rate changes. Also very easy to use and set up. Reviewed on: 3rd April 2023

The best savings account around.

This is a no-fee account offering the best interest rate I've found for instant access. There are options for higher interest using 'pots' where money can be tied up with different notice periods from 7 to90 days. On the few occasions I have been tempted to move money elsewhere due to higher interest, Zopa have increased there interest. The app is really easy to use and flexible allowing easy deposit, withdrawal and switching between pots. Reviewed on: 3rd April 2023

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