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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)

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

Good interest rates - But ..

You can't access your money unless you liquidate that particular fund. Not exactly helpful unless you are saving for a much longer term Reviewed on: 3rd April 2023

Easy to use and clear savings

I wanted go get more interest for my money without being locked in and with zopa I was able to have great interest and easy access. Reviewed on: 3rd April 2023

Perfect

Simple, easy to use and great value. Would highly recommend. Reviewed on: 3rd April 2023

Brilliant Online Savings Account

I have worked for banks, and saved with many. But the interest rate is amazing for instant access and also notice acounts. The pots, being able to keep funds separate, have as many as you like, good for saving for different reasons. Lock in, or keep instance access. Online easy to use even for me!! You can transfer in and out monies with easy. Get instant balances online, get bank statements in the right format. It was quick and easy to set up. Others should follow, it is the way forward. Well done. Reviewed on: 3rd April 2023

Excellent savings rates

The saving rates with Zopa are superb, the app is very easy to use, and the range of different options for increasing your saving rates are superb Reviewed on: 3rd April 2023

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