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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)

Zopa - an easy way to save

Very easy to open my start saver account. Love that I can have different savings pots and name them something relevant to me. This also means I can pick and choose how often I want to tie money away as I can clearly see the different rates applicable to my different pots Reviewed on: 3rd April 2023

Great rates, ease of use and options to boost.

Ive recommended this great product to several family members and friends Reviewed on: 3rd April 2023

Excellent rates and always competitive

What an excellent find this was. The rates for savings and boost products is excellent and market leading. So easy to boost the rate for a week or a month if you know you don’t need the cash and also to lock away for longer for 3 months. Nothing compares at present and have had faultless service and experience. Reviewed on: 3rd April 2023

Great rates and makes saving easy

I’ve had a loan and also use for my savings. Good rates and very easy to navigate and move money on the app Reviewed on: 3rd April 2023

Great rate, easy to use account

Excellent savings product - great rate, which has only increased since I opened the account. Separate savings pots are very useful and the ability to choose pots with higher interest rates (on longer notice periods to access them) is brilliant. Reviewed on: 3rd April 2023

Competitive and easy to manage

Competitive interest rates, and easy app to manage savings. Useful to have ability for many pots all paying different interest rates dependent on notice given. Very impressed Reviewed on: 3rd April 2023

Fantastic

I moved savings from a unit trust to ZOPA and I must say I am very pleased with the way it works. Interest is paid promptly and when you transfer money out or in it happens really fast. I definitely recommend this savings account as it pays a fair return and is very flexible. Reviewed on: 3rd April 2023

Amazing

Great service! Love my savings account and Zopa is a great company! Reviewed on: 3rd April 2023

So simple!

My saving account with zopa us so simple to use and withdrawals are usually within an hour! It offers a better interest rate than my other savings account that has a delay on withdrawal of days! Highly recommended Reviewed on: 3rd April 2023

Excellent bank, easy to set up account, very competitive savings rates

Was a bit worried about going with a vsnk that I'd never heard of for my savings, bit needn't of worried. Very easy to setup online, tool minutes to upload appropriate documentation and get my account up and running. Like the flexibility of the 3 different savings pots, so you can get more interest if leaving your money in longer, and less if needing access to it quickly - plus no penalty for the instant access pot, so can withdraw and then put back in as suits. The rate was also thd best I could find, and continues to beat any other bank or building society rate in which to save. Easy to manage my account kline and pay/withdraw funds as needed. Highly recommended, very pleased Reviewed on: 3rd April 2023

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