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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

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4.82

Based on 8,149 reviews, last reviewed 17th Jun 2026

89% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th June 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 (8149)

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

Zopa good for savings

Great for short term savings, flexible and easy to use and very competitive interest rates Reviewed on: 3rd April 2023

Great rates and App

The savings interest rates are really competitive and the App is easy to set up and quick to use. A great feature is the ‘boost’ pots where you can switch some of your savings into a notice pot with an even better interest rate. Reviewed on: 3rd April 2023

Easy to use, easy to save

It was easy to apply for a savings account with Zopa, and equally easy to set up “pots” within my account for different savings goals - and even on the instant access pot the rate is nothing to sniff at! Reviewed on: 3rd April 2023

The Best Saver I've Found

I've recommended Zopa to countless friends and family. As someone that loves flexible and instant access savers. The flexibility to still earn fair rates and access my money is great and the dedicated boosted pots motivate me to save for small and medium goals like a new car. Reviewed on: 3rd April 2023

No nonsense account

Love Zopa and the savings pots - I boost 7 and 31 days for a variety of saving reasons. 100% the best account for me Reviewed on: 3rd April 2023

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