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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

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

Best interest rates!

Zopa are super quick at passing on interest rate increases to their customers via their user friendly app. Their booster pots are easy to use and always pay interest on time. So pleased I found them online. Reviewed on: 3rd April 2023

Great saving app!

Simply, easy and great rates for savings with lots of different options! Love it! Reviewed on: 3rd April 2023

Easy structured savings

Simple to use through the app to get good interest rates on easy access and notice all on one account. Reviewed on: 3rd April 2023

Great rates & easy to manage account

Zopa increase their rates promptly after interest base rate rises and are very competitive. The app is really easy to use and the ‘booster’ pots are a good idea which can be used alongside the instant access accounts. You can boost the rate just by agreeing to give 7 days’ notice. Reviewed on: 3rd April 2023

Easy Instant Access

Very easy to set up and move money in and out. Very competitive interest rates and a very accessible app. Reviewed on: 3rd April 2023

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