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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)

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

Easy

Simple to operate. Competitive interest rates. Reviewed on: 3rd April 2023

Zopa

Easy to use, good service, love the idea of tiered interest rates. Reviewed on: 3rd April 2023

Good Interest rates and very easy to transfer money to and from

I learned about Zopa last year when my brother told me about it. I found it easy to apply and set up and I love how I can move my money to boosted pots for even better interest rates. The smart saver is really good and the best thing is that the interest is calculated and added monthly and you can see your savings growing, My daughter has recently turned 18 and I have encouraged her to also open an account. Reviewed on: 3rd April 2023

Simple, easy, uncomplicated

Just a really easy to use and understandable product. No issues. Team is really helpful with any queries (and also resolving an issue that I caused as well which they didn't need to do, so it was really appreciated) Reviewed on: 3rd April 2023

Excellent

Superb app with very user friendly instructions. Reviewed on: 3rd April 2023

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