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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

Zopa all the way! Zopa has competitive interest rates and the platform is really easy to use. 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

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

Best easy access savings provider

Zopa has the best easy access savings rates and are always the first to respond to changes in base rate. Reviewed on: 3rd April 2023

Good product

Good interest rates good help with money Reviewed on: 3rd April 2023

Easy to use savings app

Just love this app, makes it so easy to save, really like that I can have different pots for different things and different rates with different notice periods, plus the rates are usually good! Reviewed on: 3rd April 2023

Zopatastic

Innovative, simple, top rates, first class product and service Reviewed on: 3rd April 2023

Sector leading rates and service

Best saving rates, with quick updates whenever the bank interest rates rise (unlike most high street banks), a great app that connects to your main bank account, and great service. Highly recommended! Reviewed on: 3rd April 2023

Savings made easy

Great app. Excellent interest rates with a variety of options on a on saving commitments. Easy to transfer money. Very happy! Reviewed on: 3rd April 2023

Superb saving account

This saving account was easy to use, quick to understand and always providing some of the highest interest rates on easy access accounts. Reviewed on: 3rd April 2023

Great, easy to use way to maximise savings rates

Zopa's smart saver is a brilliant app - it allows customers to get the higher interest rates of a fixed term savings account while at the same time having the benefit of an easy access option. Love it. Reviewed on: 3rd April 2023

Great rates and super flexible App

I moved to Zopa following a Martin Lewis tip and I have been really pleased with the rates and the easy to use App. I like the flexibility to choose from a variety of saving products. I am aware that there are also loans on offer but as yet I haven't used those. Reviewed on: 3rd April 2023

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