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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

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

Savings account

Really easy and simple to use - even for a 50 plus year old!!!!!!!!!!!!!!! Reviewed on: 3rd April 2023

Easy app great rates

Competitive rates which keep up with rate changes regularly removing the need to switch providers. Easy, clear app. Reviewed on: 3rd April 2023

It is so easy

Really easy to sign up and to use the app. Useful to be able to set up as many different pots as you want and put as little or as much in each of them. A real incentive to see them grow. Reviewed on: 3rd April 2023

Great flexible saver provider

I started noticing Zopa last year and it’s super easy to open an account and the rate is very good compared with its competitors. Really a happy about my switch. Reviewed on: 3rd April 2023

Easy and quick saver account

Zopa was the easiest savings account I could find to open. It was quick and easy and the interest gained was particularly high as well. Would recommend to my friends and family! Reviewed on: 3rd April 2023

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