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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

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

Good savings

App easy to use, good interest rates, just very simple Reviewed on: 3rd April 2023

SMART saving

It's good to have finally found a savings account provided by someone, where you get everything up front and throughout that you need. I set up the smart saver with ZOPA knowing that there was a set interest rate, and was able to pick from there smart savers that suited what I needed at the time. But also allows you to open a new smart saver with higher interest rates later on if I wished. Also got an email after setting this up and the better rates to help me on the other savers. Nice to finally see someone honest about their saver accounts. Reviewed on: 3rd April 2023

Excellent efficient & easy company to deal with

Zopa just does it right. Nothing more needs to be said. Reviewed on: 3rd April 2023

top saving rates

Excellent service and banking APP Reviewed on: 3rd April 2023

Great

Great app, nice interface, everything is very straightforward and I like that you can have multiple savings pots that can have a different rate depending on accessibility timeframe. I have given 4 out of 5 just because I have seen some other banks offering a higher access savings account interest rates and also sometimes It has taken quite a long time for the withdrawn money to get processed. But never had any problems or having to chase it up, just having patience. Reviewed on: 3rd April 2023

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