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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 (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

Excellent

Always very quick and efficient. Reviewed on: 3rd April 2023

Great savings account

Always good interest rates with easy to operate notice account ‘pots’ Reviewed on: 3rd April 2023

This is a great product

I have found the Zopa smart saver very easy to use. It comes in an app form and it is very straightforward to move money between pots and also to transfer in and out of my bank account. There are different types of pots which require different notice including an easy access pot. The interest rates are very competitive and are quickly increased with the bank rate. Reviewed on: 3rd April 2023

Fantastic

Fantastic app. Easy to use and wuick to set up Reviewed on: 3rd April 2023

Savings

Very goiod, keep you well informed and good rates. Very clear instructions for moving money. Offer several very good accounts. Reviewed on: 3rd April 2023

Great rate and easy to open

The interest rate was the best on the market when I opened my account. So easy to open with an existing bank account, no need to provide documentation. Reviewed on: 3rd April 2023

Simple Effective

Great app - very simple and easy to use. No issues Reviewed on: 3rd April 2023

Zopa

Excellent interest rates, great app and quality service. Reviewed on: 3rd April 2023

So easy to use

The app is very straightforward to use Reviewed on: 3rd April 2023

Zopa So Good

I joined Zopa mainly to set aside some monies towards my forthcoming wedding, wanting to keep them separate from my usual financial provider. The innovative way that you can split monies into individual pots, boost interest rates by tying up some savings but not others, and withdraw with ease means Zopa is likely to become my sole saver. This is the savings account that all banks should offer. The fact Zopa do whilst most (if not all) others don’t shows what a market leader they are! First class! Reviewed on: 3rd April 2023

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