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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

Love love love!

Love using Zopa's Smart Saver Account. It was my first real savings account - easy access, the best interests rates, and simple to use! Have even converted others to see their money go further! Reviewed on: 3rd April 2023

Easy to use

The app is really easy to use - navigation clear and looks good. Good interest rates too. Reviewed on: 3rd April 2023

Great account

Good interest on instant access easy to transfer in and out and quick and easy Reviewed on: 3rd April 2023

Easy saving

So easy to save and earn interest with Zopa. Highly recommend! Reviewed on: 3rd April 2023

Easy

Easy to set up and easy to spread the savings into different pots to get better interest rates Reviewed on: 3rd April 2023

Very flexible savings

Had some saving that I wanted to have access to for emergency use. So the different lock in periods are great, as 95 days give good interest but still allows me to plan my finances. Reviewed on: 3rd April 2023

Good interest rate

Best interest rate and easy to use app Reviewed on: 3rd April 2023

So easy to use

My account was simple to set up, with clear explanations about everything I needed to do. The user interface is easy to navigate, so I always know where I am with my savings. If I need to add money or draw it out, that's straightforward too. Reviewed on: 3rd April 2023

Smart Saver review

Having had a previous personal loan with Zopa they were my first choice for a savings account. They have agreeable % rates and flexible terms. I have also referred to my daughters & grand daughters who have all taken out Fixed Term savings accounts. I am an advocate for them and recommend them to friends on a regular basis whenever money or finance is raised in conversation. Reviewed on: 3rd April 2023

Great easy access savings account.

Zopa is a great savings account. Top interest rate. Easy to use and navigate app. Would definitely recommend Reviewed on: 3rd April 2023

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