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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8144 reviews)

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4.93

Based on 8,144 reviews, last reviewed 18th Apr 2026

112% 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

Easy to use app with automated payments from current... Easy to use app with automated payments from current account into smart saving and regular saver pots. Getting salary paid into the current account un... Read more Reviewed on: 18th 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.

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Zopa Smart Saver reviews (8144)

Excellent Savings Option for Savvy Savers

Zopa smart saver account is an excellent and easy to use instant access savings account that offers good interest rates and the ability to link other accounts with your account so that you transfer money, all via an app. Dead simple! Reviewed on: 3rd April 2023

Easy to use

The app is so clear & easy to use got my credit card & saver on the same account, so easy to apply & the interest rate is excellent much better than my banks really happy with it Reviewed on: 3rd April 2023

Just so easy

Was not sure about using a app based savings account as I am not very tech savvy. I needn’t have worried it is so straight forward to set up and transferring funds is a breeze. They pay one of the highest interest rates available on an easy access account and I love the boost pots which increase the rate on money you don’t need access to immediately. Reviewed on: 3rd April 2023

Great saver options

I love the options of pots with the smart saver. Gives varying interest based on various access limits. This makes it so easy to move your money around within one account. Saves things getting complicated. Reviewed on: 3rd April 2023

Excellent

Excellent products, easy to open accounts, simple to use app, good communication Reviewed on: 3rd April 2023

Easy to use. Great interest rate

All done through app. Easy to use. The best interest rate for my situation. Reviewed on: 3rd April 2023

Great product easy to use app

Always great rates for product of choice. Very easy to use App. Friendly helpful customer services for the odd thing can't do online. If only all banking was this easy. Reviewed on: 3rd April 2023

Prompt Reaction to interest rates

The app is easy to negotiate and the account options are simple with clear interest rates. The rates are very competitive which is a pleasant change from high street banks. It is a nice surprise to see that Zopa reacts quickly to the Bank of England changes of interest rates which benefits savers. Reviewed on: 3rd April 2023

Excellent banking

Love this savings account. Able to name “pots” and save separately for different things. Update interest quickly as rates change Reviewed on: 3rd April 2023

Great rates

Time and again Zopa's Smart Saver offers the best rates and flexibility to switch between rates in a really easy to use format within its app. Reviewed on: 3rd April 2023

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