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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

Great saving app

Great saving app, easy to use and great interest rates. Only small problem I have is that the transfers aren't instant - not a big deal but it always makes my anxious if I can't see the money straight away Reviewed on: 3rd April 2023

Easy and good value

Very competitive rates. App easy to use. Reviewed on: 3rd April 2023

Great rates on your mobile

Zopa had the market leading rates for easy access and notice accounts. Easy to manage via app and feel safe and secure knowing money can only come in and out of one nominated account Reviewed on: 3rd April 2023

Great bank

Easy to use, very quick to pass on interest rate increases unlike high st banks Reviewed on: 3rd April 2023

Cannot fault

Can’t fault Zopa - the account was super easy to set up and their interest rates are incredible compared to their competitors. Would 100% recommend to friends and family. Reviewed on: 3rd April 2023

5 star service 5 star review

Amazing easy to use saving services with one of the best interest rates going… hard to Toppa the Zopa Reviewed on: 3rd April 2023

Brilliant savings account

Zopa is in my opinion the best savings account I have found for ease of opening and ease of use, I have already told my daughter about it and a couple of associates at work. I like the fact it has instant access, 1-month notice, and 3-month notice accounts along with 1-year, and 2-year fixed savings accounts. I would strongly recommend them to anyone Reviewed on: 3rd April 2023

Easy to use and great rates

It's easy to save and move savings around while also providing great rates. What's not to love?! Reviewed on: 3rd April 2023

Amazing system! Brilliant service!

Zopa are great. It's simple and easy to use. Their well laid out app is easy to navigate and any issues are quickly resolved by their customer support team. Reviewed on: 3rd April 2023

Easy & trustworthy

I was a little concerned about using a banking app so started with Zopa after reading a review in Money saving expert. I started with a small amount ( £100 ) and played around moving money, adding and withdrawals - I quickly became confident and transferred a few k's into my Zopa account . I continue to find it very useful and satisfying to use. Reviewed on: 3rd April 2023

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