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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)

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

Easy App, great savings rates

I like the Zopa App as it is easy to use, and Zopa also increase their rates quickly after the Base Rate increases. A very competitive offer, way better than my bank. Reviewed on: 3rd April 2023

Simple and easy to use.

Good rates of interest and easy to use app. What more do you need! Reviewed on: 3rd April 2023

So simple and great interest

Right from the outset the account was easy to set-up, the app is fantastically simple. The teared saving is great and I just can't fault ZOPA. I've bored my kids talking about it but they have accounts now too. Reviewed on: 3rd April 2023

Smart saving with SmartSaver!

Easy to set up, easy to use and a great rate of interest with instant access, what's not to like! Reviewed on: 3rd April 2023

Highly recommended

Love Zopa, easy to use savings pots and the best interest rates Reviewed on: 3rd April 2023

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