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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 2026

82100% 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd 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.

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Zopa Smart Saver reviews (8052)

Easy to use and not bad interest.

Only just found them and already opened 3 different option accounts to set up savings for different things. Reviewed on: 3rd April 2023

Excellent and love the tiered interest rates

This account has got better and better since I opened it with the rates going up with the interest rate rises. I especially like that you can increase the interest you get according to pots you open, you can open pots of 7 day, 31 day and 95 day notice as well as leaving some money instant access. My only wish would be to have them 7, 30 and 90 days which would make it easier to fit with shorter months but still a great product. Reviewed on: 3rd April 2023

Best easy access account

So easy to use and great savings rates Reviewed on: 3rd April 2023

Simple app, choose your own access and interest rate

Very pleasantly surprised by such an easy to use. Split your savings between ‘I may need it at short notice’ and ‘I can wait a week or longer for access’. The rates are some of the best, if not the best and interest rate rises are quickly passed on too! Reviewed on: 3rd April 2023

Best Easy to Use Saver Account!

Since opening this account, I’ve only ever had positive experiences! The app is extremely easy to use - notifying you when money has been added to your account. The different access pots also make it a breeze to organise you money, making use of the different interest rates they offer. I am always recommending this smart saver account to friends and family! Reviewed on: 3rd April 2023

excellent product with great interest rates

zopa always react quickly when interest rate change and give market leading rates all the time and easy to put in new money and taake money out. Reviewed on: 3rd April 2023

Simple and easy app

Amazing app, easy to both add and withdraw money with clear view of interest rates etc Reviewed on: 3rd April 2023

Watch your money grow !

So easy to set up. Amazing rates of interest. Superb customer services. Can't believe how much my cash pot is growing in front of my eyes on the Zopa app :) Reviewed on: 3rd April 2023

Flexible and competitive saving

ZOPA offer competitive and flexible savings rates giving you the ability to commit money to different timescales within the same savings. Very easy to use via the App. Reviewed on: 3rd April 2023

The Best Around!

Easy to use app, great interest rates and great customer service! Reviewed on: 3rd April 2023

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