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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

122% 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)

A super account

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

Great account

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

Easy to use account

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

Great service provider

Responsive customer service and easy to navigate website. Reviewed on: 3rd April 2023

So easy and efficient

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

Excellent Products and Service

I have used Zoopa in the past for a loan and now have a savings account with them. The App is user friendly, excellent interest rates. Overall, a very good service provider Reviewed on: 3rd April 2023

Great agile, modern bank

East to use banking app with very competitive interest rates. Great interplay function with other banks allowing easy funds flow Reviewed on: 3rd April 2023

Great offering

Quick and easy to set up, easy to shift money around. Good interest rates. Reviewed on: 3rd April 2023

Amazing company

Opened a savings account which was incredibly easy to do and set up to make easy bank transfers, now have savings which gather interest. Their app is great to use and they have different pots you can use to save for different things! Would absolutely recommend!! Reviewed on: 3rd April 2023

Zopa First

Amongst my savings accounts, Zopa is always first to put up its interest rate. Reviewed on: 3rd April 2023

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