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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

Great rates and customer service

Really impressive interest rates available and products. Reviewed on: 3rd April 2023

Simple and easy

I set up this account not being sure as it seemed to be only online. However I have been pleasantly surprised the transactions go through very quickly both paying in and out. Couldn't recommend higher Reviewed on: 3rd April 2023

Super savings

The account is simple to set up, the features are clear and the savings rate is consistently competitive. What more could be wanted?! Reviewed on: 3rd April 2023

Highest rates

Zopa tends to have the highest rates available, although they sometimes can be a bit on the slow side to change it but they often have the highest rates available (or close to it). Overall, I'm happy with Zopa. Reviewed on: 3rd April 2023

Simple and great value

Easy to open, great rates, simple app Reviewed on: 3rd April 2023

Excellent app-based savings

The Zopa app is extremely intuitive to use and allows access to their range of fixed term and instant access savings "pots". Transferring money between "pots" as well as between Zopa and my bank account is very slick - money transfers very quickly. Just as importantly, the interest rates are market leading. I'm a big fan of Zopa's new app-based savings account! Reviewed on: 3rd April 2023

Great rates with maximum user friendliness

My title pretty much sums it up! Great rates, user friendly, flexible and reliable. What more could you want? Reviewed on: 3rd April 2023

The best user experience I've had with a bank

The key is in the simplicity of the app, moving money from one savings pot to another couldn't be easier. It's clean, easy and clear to see my money grow. Reviewed on: 3rd April 2023

Great app, great rates

Best east access rates I found in the market, app is well thought out and works really well Reviewed on: 3rd April 2023

Great savings

I've been a customer now for just over 2 months and the interest rates offered are amongst to he best available and have been rising when the BoE have increased the base rate. It's really easy to transfer money in and out and I love the savings pots. Reviewed on: 3rd April 2023

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