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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

104% 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

Flexible saving account

I have multiple savings accounts with different companies but ultimately find Zopa the best… not only because of the interest rates but also because of the ease of use with the app, the option to have multiple pots and the instant transfer feature which is very fast… would recommend to friends and family Reviewed on: 3rd April 2023

Great Savings Account

Very easy account set up done via the app. Easy to manage the account via the app, highly recommend it. As of April 2023, it's also paying one of the highest interest rates. Reviewed on: 3rd April 2023

Fantastically simple.

I love using Zopa for the flexibility it offers and the quality of its App. I recommend it to all my friends and family. Reviewed on: 3rd April 2023

Easy to use with multi pots and good interest rates

It is easy to use. The multi pots allow you to spread notice periods and partition savings to what makes sense to you. Rates are updated and stay competitive. Reviewed on: 3rd April 2023

Great acc and great, easy to use app at Zopq

I think the Zopa acc is great - the interest rate is very competitive and the app is so simple to use, i can't recommend them enough! As a new customer it literally took 45 secs to open the acc. Very impressed. Reviewed on: 3rd April 2023

Smart saver

So easy to understand & invest,Very pleased to have discovered them. Always answer queries when put to them. Overall I would give it 10 out 10. Reviewed on: 3rd April 2023

Easy to use app, great saving rate

Adding funds is quick and easy, withdrawing too. App is easy to use. Savings rate is currently the best available. Reviewed on: 3rd April 2023

Simple and straightforward

I’ve recently set up various savings accounts with different providers and I can hand on heart say that Zopa is BY FAR the simplest and most straightforward to set up and navigate once up and running. Communication is excellent - quick, professional and helpful. I’ve already spread the word and have family now using Zopa. Don’t delay - join this great and professional team at Zopa. Reviewed on: 3rd April 2023

Consistently great interest rates

I joined Zopa last August when they had the best easy access interest rate. 8 months later and they've regularly updated their rates to be right near the top. I find the 90 day boost pot is a great timeframe that allows me to have a very healthy interest rate whilst not fixing in for too long. Reviewed on: 3rd April 2023

simple to do, peace of mind

I have left money in a very low interest account, as it was too much of a hassle to do anything for the small return it would have produced. Then as interest rates started to rise I wanted to be a bit more financially astute, by far the easiest and most straight forward account was provided by ZOPA, I can move my savings very simply and the interest rate is very competitive. I no longer have nagging feelings that I must get around to doing something, thank you ZOPA Reviewed on: 3rd April 2023

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