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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

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

Flipping Fantastic

Zopa is so easy to use. I love the pot system as it helps me keep track of different saving goals. Being able to link multiple accounts to helpful to Reviewed on: 3rd April 2023

On the up with Zopa

So I initially took out a credit card and quickly became aware of the smart saver option from Zopa. I have to say, I'm very impressed. First off, communication is key and Zopa keep me updated at every step. Second, they have higher interest rates on the basic and better on the boosted savers than my own bank whom I've been with for over 20 years. Says a lot really. Strongly considering moving all my savings over. Reviewed on: 3rd April 2023

Best saver on the market

Really happy with the saver! Great flexibility, easy to transfer money in and out. And they offer the best rates on the market. Reviewed on: 3rd April 2023

A really simple effective way to save.

I have a smart saver with Zopa. I find the different pots an intuitive way to save and manage my money. It helps me save for different things. The app is really easy to navigate and use. So much so my father in his late 50s who struggles with tech has opened an account and manages his savings with ease. I have already recommended Zopa to the wider family! Reviewed on: 3rd April 2023

Love it!

Never had any problems, and has great rates! Recommended by a family member and I have since recommended it to everyone. Reviewed on: 3rd April 2023

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