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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)

Best easy access account

Best account for interest with the option to lock it away for short terms and earn even more. Great idea! Reviewed on: 3rd April 2023

Excellent savings app

I love Zopa, apart from the higher than average interest rate, there are pots to separate funds, which you can boost the interest rates of, depending on need. I like the ease of the app and the ease of transferring cash between pots. What’s not to love about Zopa! Reviewed on: 3rd April 2023

easy to use and a decent rate

Very easy to set up and use, rates could adjust quicker and could be a little more generous but are at the top end of most easy access... overall certainly worth considering and better than one of the traditional banks that's for sure! Reviewed on: 3rd April 2023

Zopa beats rivals

Zopa's easy to use app, coupled with the best rates out there makes them stand out from the crowd. I've used 3 different savings accounts recently and zopa's is head and shoulders above the others. Reviewed on: 3rd April 2023

It's soooooo easy!

Love this savings app. So easy to set-up, use and see where your money is held and where you transfer to and from. Reviewed on: 3rd April 2023

Zopa Savings Account is certainly Smart

Zopa offers a range of instant savings interest tiers that offer exceedingly competitive interest rates. Moreover they require minimal management as interest rate changes are automatically applied across all tiers. Zopa Smart Saver is easy peasy to setup and manage on a mobile phone and payment updates and withdrawals to a nominated bank account are almost instant, I have never waited longer than 30 minutes for funds to move in and out. You can easily manage your finances and earn some decent interest when complimenting a stagnant bank account that earns next to no interest with a Zopa Smart Saver. The Zopa Smart Saver is a revelation, and such an iniative was long overdue. Reviewed on: 3rd April 2023

Easy to use and rates change to follow base rate regularly

I have been impressed at how easy it is use the Zopa savings accounts, especially as the interest rate has increased automatically multiple times, due to inflation. Reviewed on: 3rd April 2023

Great app, great rates

App is super easy to use. Zopa have consistently been upping their rates soon after the BoE increase the base interest rate. Love the boosted pots available Reviewed on: 3rd April 2023

Great rates

Chose Zopa as they have the best savings rates. It was extremely easy to open the account and easy to maintain it. I would highly recommend Zopa. Reviewed on: 3rd April 2023

Great service

I opened this account to transfer my savings to a higher interest rate with Zopa. The app is very easy to use and the customer service is great. Highly recommend to anyone thinking of changing banks.. Reviewed on: 3rd April 2023

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