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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)

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

Easy and safe

Very easy to use, can lock money away in fixed term and continue to add money into it. Zopa give competitive interest rates and consistently pay them. FSCS protected up to £85k. Reviewed on: 3rd April 2023

easy to use

very simple to create account and transfer money. Easy access to check on account and although not transferred money out it looks to be a simple process. also a good interest rate Reviewed on: 3rd April 2023

Great rates and easy to use app

Great interest rates. always offering some of the best rates. Very easy to use app. Reviewed on: 3rd April 2023

Simple Banking

We used Zopa a few years ago for a loan, when we had money in the bank earning no interest we decided to look at zopa and have been delighted with the simplicity of saving. Reviewed on: 3rd April 2023

Best saving app

Great way to save money as it has the best interest rates. App is great gives you lots of options and easy to use Reviewed on: 3rd April 2023

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