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Zopa: Smart Saver reviews

View other Zopa products
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
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95%
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5%
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0%
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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
VMann's avatar
VMann

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
Bernadette Fitzmaurice's avatar
Bernadette Fitzmaurice
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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)

Amazing

5
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
Courtney 's avatar
Courtney

Best rate, easy app

5
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
Pinchas Kahtan's avatar
Pinchas Kahtan

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

5
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
Helen Franklin's avatar
Helen Franklin

Happy so far!

5
Competitive rates, near instant access and split money into pots. What's not to like? Reviewed on: 3rd April 2023
Noel Sweeney's avatar
Noel Sweeney

Absolutely fantastic

5
The easiest app ever ,fantastic interest rates ,great customer service 10/10 would highly recommend Reviewed on: 3rd April 2023
Elaine Churchouse's avatar
Elaine Churchouse

A super account

5
I am delighted with this account. Interest is paid promptly every month and interest rates have been adjusted without delay each time the interest rates have been increased by the bank of England. The app is user friendly and payments/withdrawals are simple to arrange as are moves to longer or shorter withdrawal periods.. Reviewed on: 3rd April 2023
Brian Lightman's avatar
Brian Lightman

Great account

5
So easy to use and transfer money in and out of, enjoy the flexibility Reviewed on: 3rd April 2023
Jeasiica's avatar
Jeasiica

Easy to use account

5
I've been using a Smart Saver account for about a year. The account is really easy to use for both deposits and withdrawals. It's really handy to have different 'pots' to save for particular things, like holidays, furniture etc, especially if you don't need instant access to some of your savings, and the higher rates on the notice 'pots' means you have go think twice about raiding your savings. The interest rates on the pots are very competitive in comparison with the rates of the big High Street banks. Reviewed on: 3rd April 2023
Jill Crossling's avatar
Jill Crossling

Great service provider

5
Responsive customer service and easy to navigate website. Reviewed on: 3rd April 2023
Daniel Britt's avatar
Daniel Britt

So easy and efficient

5
I opened a savings account on the recommendation of the Money Savings Expert website as it pays an excellent rate of interest. It was so easy to open and set up. I love how flexible it is and how I can have several different pots of money with different interest rates depending on the access notice. It's made it really easy to save money and I'm planning on transferring my savings to a higher interest pot soon and opening another instant access pot. The app is really easy to use and the interest rates have also increased. Reviewed on: 3rd April 2023
therealme's avatar
therealme

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