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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)

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

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

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