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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)

Zopa's Smart Saver account is excellent - highly recommended

Zopa are paying really good interest rates relative to other providers on their instant access smart saver accounts and even more on their boosted pot accounts. They increase interest rates almost immediately after the BOE rate is increased (unlike most other providers) and there is no hidden small print or restrictions. I would recommend Zopa smart saver accounts to everyone and my partner and son have also signed up for accounts! Reviewed on: 3rd April 2023

Smart saver

Easy to use, transfer money and good rates. Reviewed on: 3rd April 2023

Intuitive and straightforward

Simple interface, clear about everything you need to know, easy to use, it’s ideal Reviewed on: 3rd April 2023

Plain and simple accounts without the jargon!

Setting up an account is super fast and easy. The app is so straight forward and simple to use; I really can't fault it. Transferring and depositing funds in one touch. Even an old codger like me is able to use with ease! Love it! Reviewed on: 3rd April 2023

Convenient and easy to use

Managing my account through the app has been incredibly easy and transferring money into and out of the account is very simple and fast. The interest rates offered are some of the best on the market at the moment too! Reviewed on: 3rd April 2023

So easy!

Very quick and easy way to save. It's encouraging me to put savings away as you can visually see really quickly your interest benefits which I've never had access to before with previous accounts Reviewed on: 3rd April 2023

Fantastic savings account

Easy to use app. Competitive rate of interest. Zopa keep me informed of interest changes and provide a good service. Reviewed on: 3rd April 2023

Excellent easy and great rate

I have a few online savings accounts with ZOPA …, and there APP is very easy to use and navigate, And as mentioned there Interest Rates are one of the best, Reviewed on: 3rd April 2023

Great flexible savings

Zopa have been great. Easy registration and good savings rates. Reviewed on: 3rd April 2023

User friendly savings

I found investing with Zopa so easy and have no issues with using the App, really happy with the whole experience. Reviewed on: 3rd April 2023

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