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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

Very good service with good interest rate

The ZOPA app is very easy to use and we get regular updates on interest rates now that they are on the up for a change! Excellent service so far. Reviewed on: 3rd April 2023

Easy, flexible saving

Researching for best flexible savings account and Zopa came up. Was initially a little hesitant with it not being one of the "big" institutions but having read up about it and researched its products I decided to give it a go. App is very very easy to use, and great rates - what's not to like! Reviewed on: 3rd April 2023

Great

Really easy, simple to use app and I love the different pots availabe Reviewed on: 3rd April 2023

Brilliantly simple

I feel as if this account actually cares about me more than maximising it’s own profits. Reviewed on: 3rd April 2023

Easy and efficient way to save

I’m so happy with my savings in Zopa, I have been recommending to all my friends. I love that the interest is given monthly which makes seeing your savings grow that much easier. Very happy and will continue to save with them. Reviewed on: 3rd April 2023

Great App & Interest Rates

Great App, easy to use. Great interest rates Reviewed on: 3rd April 2023

Love Zopa and love the app!

Finding Zopa has been an absolute joy after the previous online saver I held. Being able to manage my savings in different pots has already lead to me planning my finances better and doing better overall with my savings. Easy access to the app and quick transfer if funds back to my current account when I need it have all been great. Have already recommended to other members of my family. Reviewed on: 3rd April 2023

Great Rates - Clear Options

An excellent account with easy and clear options which permit you to increase your interest rate depending on your willingness to serve some added notice. A straightforward and easy to use App. Reviewed on: 3rd April 2023

Great rates!

Easiest to use and always increasing the savings rate inline with the BOE. Much better than your standard high street banks. Reviewed on: 3rd April 2023

SImple & SMart

There may be no website for this bank, but it is simple to use and they have good, regularly updated rates, Reviewed on: 3rd April 2023

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