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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)

Great rates, easy to use App

I was looking for a bank to save with that have interest rates reflecting the base rate and don't place low caps on the account. Zopa has exceeded my expectations with their rates, app and ease of use. Reviewed on: 3rd April 2023

Best account ever

Best rate, easy to set up and easy to use. Reviewed on: 3rd April 2023

Simple to use and good rates

Very straightforward to set up and use - money moves quickly between Zopa and my bank, interest rates are competitive and I haven’t had any issues Reviewed on: 3rd April 2023

Excellent rates

Best saving rate for instant access Reviewed on: 3rd April 2023

Simple, User Friendly and Great Value

The title says it all. I recommended to several non-tech-savvy friends and family who have all now signed up and have been using for months Reviewed on: 3rd April 2023

Amazing

I’ve managed to save so much more money than I used too by using zopa. It’s easy to use and helps me manage my money. I have referred friends who have been using for a while and think the same, it’s the first time some of them have been able to save money after multiple other attempts. Reviewed on: 3rd April 2023

Best rate, easy app

As the title says - Zopa gives the best rates I've been able to find and is usually quick to update them when the base rate changes. The app is really easy to use. Reviewed on: 3rd April 2023

Does what it says on tin, great savings rates too!

A really easy banking app to use and setting up the account was very straightforward. ZOPA offers fantastic savings rates and with their flexible savings pot, you can organise your savings into manageable separate savings pots to help with planning. Would recommend. Reviewed on: 3rd April 2023

Happy so far!

Competitive rates, near instant access and split money into pots. What's not to like? Reviewed on: 3rd April 2023

Absolutely fantastic

The easiest app ever ,fantastic interest rates ,great customer service 10/10 would highly recommend Reviewed on: 3rd April 2023

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