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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)

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

Smart Saver

Good rates, with lots of options and easy to use app Reviewed on: 3rd April 2023

Great company, Great App

Offer competitive rates, easy to use, helpful to chat to. Overall superb customer journey and experience Reviewed on: 3rd April 2023

Easy to use, competitive rates, what is not to like

I love my zopa account, it is helping me to organise my savings into different pots for different things which is just so useful. Reviewed on: 3rd April 2023

High interest rates with good time lock length!

This account is really great at helping me save for the future. Not only are the interest rates high, but the 31-day lock that I use helps me plan how to use my savings effectively, and not have to wait too long when the time is right! Reviewed on: 3rd April 2023

First class

Not tardy when passing on interest rises unlike major banks. Reviewed on: 3rd April 2023

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