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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

103% 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 savings account

I’m very glad I’ve found Zopa: great rates and I love the app especially the idea with the pots offering different interest rates depending on how much notice you need to give. Email comms are good too, and customer service Reviewed on: 3rd April 2023

Great savings account!

I really love Zopa, so easy to use. Love the different interest rates for different withdrawal terms and i love how you can have different pots. Makes savings easy to separate into categories and keep track. I have recommended to alot of friends and family who have really liked it to Reviewed on: 3rd April 2023

Easy Savings

Easy to use App good interest rates Reviewed on: 3rd April 2023

Easy app

Easy to transfer money quickly, clear account rates/terms, can withdraw easily too Reviewed on: 3rd April 2023

Very Good

Good introductory rate and keeps competitive as the BoE rate rises Reviewed on: 3rd April 2023

Fantastic product

Excellent, simple to use, best o line bank account Reviewed on: 3rd April 2023

Best in Class

Excellent App, market leading interest rates that go up soon after Bank Rate does Reviewed on: 3rd April 2023

Excellent rates

Rates are good and go up promptly when base rate changes. Easy app experience. Reviewed on: 3rd April 2023

Good savings provider

Zopa offer good rates and increase them with the market. Their app is modern and fast and fund transfers happen quickly. Reviewed on: 3rd April 2023

Great service, great rates

I've been so happy with Zopa -- they have increased the rates on their savings with the base rate over the last few months, and the app works perfectly. I love the pots feature of being able to save for different things and lock money away for different periods of time within one account -- I've already recommended to several people. Reviewed on: 3rd April 2023

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