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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

108% 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

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

Easy and simple

Easy and simply bank account with a great customer service. I love the fact the keep increasing the interest rate on the saving account inline with the market change Reviewed on: 3rd April 2023

Clear, easy to use service

Very clear website with all the information you need in one place. The smart saver service is a great deal given the current climate and I can trust them to keep my up to date with any changes Reviewed on: 3rd April 2023

Very easy to use

Great savings account where you can put your money into different pots. Easy to deposit and withdraw. They seem to update the interest rates often Reviewed on: 3rd April 2023

Fantastic Service

Joined ZOPA with online banking/app and was amazed at how easy everything was. Will certainly recommend. Reviewed on: 3rd April 2023

Great savings account

Great interest rate, choice of accounts with higher rates with notice periods. Easy to set up Great app. Reviewed on: 3rd April 2023

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