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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)

Great rates coupled with a simple app

Zopa's Smart Saver gives easy access to a range of attractive rates with a variety of lock-in periods. Very easy to transfer money in or out or between 'pots' that you can create and label to suit your savings purpose, e.g. we called one 'Cruise Fund' and locked it in for a while to get a better rate as we won't need to withdraw the funds for several months. Reviewed on: 3rd April 2023

Great features and rates

Excellent app with some great features to organize your money and savings and some top rates at the same time. What’s not to like? Reviewed on: 3rd April 2023

Easy to use, great interest rate and choices

So easy to set up and use. The interest rates were double what I was getting with my normal day to day bank’s savings account and the rates have increased fairly quickly with any changes to the base rate. I love the choices on how long to tie in to get a better rate and setting up different pots that you can rename. I’ve already recommended Zopa to family. Reviewed on: 3rd April 2023

Amazing flexibility

The smart saver offers a high basic rate of interest, with the option to boost savings in pots for a set notice period (7, 31 oe 91 days) in exchange for even higher rates. If like me you lack discipline when it comes to saving, this feature is perfect. Reviewed on: 3rd April 2023

App and savings that work for you

Easy savings app with up to date interest rates. They are forward thinking increasing rates as they happen. Added bonus of boosted pots to encourage savings. Reviewed on: 3rd April 2023

Fast and efficient

Easy to set up an account and the app makes everything very straightforward. Moving money between pots and or to other accounts couldn’t be easier. Reviewed on: 3rd April 2023

Nifty saving app

Nifty saving app, allowing multiple pots to divide money under one account/location. Competitive saving rates. Reviewed on: 3rd April 2023

So easy

App is very good. Adding savings from current accounts can be done within the app. Reviewed on: 3rd April 2023

Great rates and simple to use

Zopa is one of the easiest to use apps I have used, coupled with good rates of interest makes a winning combination Reviewed on: 3rd April 2023

Simple

Simple sums it all up. Simple to set up, simple to use & a simple clear app. The interest rates are competitive & far better than my high street bank. Reviewed on: 3rd April 2023

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