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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

Super easy to use and good rates

The Zopa app couldn’t be any more simple to use and they provide very good savings rates. I really like how you can split your money up into different savings pots depending on your needs. Reviewed on: 3rd April 2023

Excellent Savings Products

Really simple to set up and the app is great. Love having the ability to have lots of different pots and the ability to earn more interest by locking some of the pots to a month or three month notice period. Reviewed on: 3rd April 2023

Great, reliable, easy to use savings account.

Great, reliable, easy to use savings account. Reviewed on: 3rd April 2023

Easy to use! Great App

Zopa has been perfect for me, for getting the best out of my savings. Love the app, clear + easy to use! Reviewed on: 3rd April 2023

Easy smart fabulous

The app is just so easy to use and is so easily accessible. I have my loan, credit card and saver all in one place. Reviewed on: 3rd April 2023

My money finally working for me

I used to save with one of the big high street banks. Basicaly just left my money in an account that paid pennies. I feel a tad foolish looking back, was just happy to have my money secure . Finally stumbled across Zopa via TV advertising. My money is now safe and working for me by earning a fairly decent interest. The app is also fab. Reviewed on: 3rd April 2023

BoE 4.25%, why am I getting 3.2%

As good as it gets. Why am I not getting 4.25%? Reviewed on: 3rd April 2023

Variable pots & interest rate rises

I love that I can put savings for different things into different “pots” and squirrel them away for different amounts of time depending on when I think I’m going to need access and as if that wasn’t enough, Zopa were one of the first to react to rising interest rates, increasing rates without me having to ask/switch products and really quickly too. What more can you ask for! Reviewed on: 3rd April 2023

GREAT SERVICE

Easy set up, good customer service. easy access and great communication from zopa. Reviewed on: 3rd April 2023

Excellent savings provider

Great service and always quick to increase savings interest rates, unlike the majority of the "big" banks. Highly recommended. Reviewed on: 3rd April 2023

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