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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8145 reviews)

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4.93

Based on 8,145 reviews, last reviewed 20th Apr 2026

110% 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

Difficulty linking building society account. My primary account is with a small local building society. As it’s a building society, their automated payments transaction through the building socie... Read more Reviewed on: 20th 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 (8145)

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

Excellent interest rates and used interface

One of the best interest rates around, best user interface of mobile banking apps, and flexibility and simplicity of having multiple accounts. Reviewed on: 3rd April 2023

Smart Saver

Good interest rates and easy to open an account Reviewed on: 3rd April 2023

Great Interest and great saving choices

Can’t fault Zopa so far, we set up saving pots for me and my son, easy to use, I was surprised to receive a goodwill payment when a transaction didn’t go through in time so Zopa gave me £25 goodwill gesture!. Reviewed on: 3rd April 2023

Easy and great rate

So easy to get started and I feel confident I'm getting a good rate, and my savings are safe. Reviewed on: 3rd April 2023

Saving made easy

Love the way I can save for a goal, or a rainy day and great great interest rates Reviewed on: 3rd April 2023

A great all round customer experience with competitive rates

Not only does the app work extremely well, the transfers 'to and fro' are swift and backed up with excellent communications from Zopa. Not only that, Zopa offers very competitive savings rates which are automatically applied. I have found I can sit back and let it all happen with confidence. Reviewed on: 3rd April 2023

Savvy Savings

Zopa is a truly easy Instant Access account paying highly competitive rates of interest plus a little extra if you can lock some of your money in for a minimal amount of notice. Reviewed on: 3rd April 2023

No messing about, just an easy savings account with good rates

The account was easy to open and I particularly appreciate the fact the fact that interest rates go up, Zopa automatically increases the rate of interest on the account without having to be chased or pressured to do so. Reviewed on: 3rd April 2023

Easy

Really easy to set and make changes, which for me as a busy single parent is really important. Would recommend to anyone looking to start saving again. Reviewed on: 3rd April 2023

Great savers account

Would recommend to all my friends and family Reviewed on: 3rd April 2023

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