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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.

Zopa Smart Saver reviews (8149)

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

highly recommended savings account

quick to setup, easy to use and great interest rates, would recommend 100% Reviewed on: 3rd April 2023

Excellent

Really good savings provider. Imterest rates competitive Reviewed on: 3rd April 2023

Excellent For Savers

Rates increase very quickly after BOE rise and booster pots give ultimate flexibility and always near or at the top of available rates. Near instant transfers and excellent App are hard to beat. Reviewed on: 3rd April 2023

Makes saving simple!

I love my SmartSaver account. It gives me flexibility and a great return on my savings. If I know I'm not going to need an amount of money for a period of time, I can lock it away for a better interest rate while keeping a balance 'just in case' in my SmartSaver, and I can do this with multiple pots at different rates and notice periods to suit my own needs. Plus I can see them all at once, with an overall balance of my savings in addition to each pot. Brilliant! Reviewed on: 3rd April 2023

Instant Access

ZOPA great account, very easy and intuitive to use and great savings rare. Recommended! Reviewed on: 3rd April 2023

Easy to use app, good interest rate

User friendly app, offering competitive interest rates. No concerns from a savings perspective. Boosted pots work well and money can be locked away for an increase in rate, giving notice to get access to your money. Reviewed on: 3rd April 2023

Does what it says on the tin.

No fuss, straightforward and simple savings with competitive rates Reviewed on: 3rd April 2023

Easy to open & great service

I read about Zopa on moneysavingexpert.com & it was SO easy & intuitive to open & transfer funds Reviewed on: 3rd April 2023

Great use of Tech

Simple to use, first time I've pulled money from my other bank account. Clean and clear UI. Smart!!! Reviewed on: 3rd April 2023

Great savings product

Had savings languishing in a very low interest account, saw Zopa on This is Money website as one of the best easy access savings accounts and transferred over to Zopa, then I found I could boost the interest rate further.. Easy to set up and operate, very happy at the moment. Reviewed on: 3rd April 2023

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