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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)

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

Simple interface and good product

Love ZOPA, there interface is simply better than there competitors and there comms is spot on. Reviewed on: 3rd April 2023

Savings

Very easy to start savings. Interest rates are one of the best. Moving between accountants is straightforward. Rates went up with recent interest rate rise. Would recommend it to anyone. Reviewed on: 3rd April 2023

Savings review

Simple and easy to understand and a competitive savings rate would recommend Reviewed on: 3rd April 2023

Great way to save

Zopa great way to save. App so easy to use. Reviewed on: 3rd April 2023

Great rates and simple to use app

Saving couldn't be simpler with the app. We have set up several pots to manage our finances and find it to be a competitive rate too. Very pleased to be using them. Reviewed on: 3rd April 2023

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