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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 2026

82100% 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd 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.

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Zopa Smart Saver reviews (8052)

Changed the way we save

We used to save with our high street bank before we realised other places had accounts that paid interest! This has changed the way we save - we even have a pot for a pipe dream holiday. Great app! Reviewed on: 3rd April 2023

Love Zopa

Absolutely love Zopa for my banking. Moved all of my savings (and continue to) into my account. So easy to use, straightforward, swift and very reliable. Good information produced every time I make a transaction. Will continue now to put all of my savings into this bank. Have recommended Zopa to several of my friends and family. Keep up the good work. You’re the best bank by far!! Reviewed on: 3rd April 2023

Great Rates

Easy to open a savings account with great interest rates Reviewed on: 3rd April 2023

Fantastic flexibility

Great flexibility for savings and actively adjust rates to match the market Reviewed on: 3rd April 2023

Zopa is the best out there

The zopa app is better than all the competitors out there, it's so easy to use and they give great APR rates. I have recommended zopa to my friends and family. Reviewed on: 3rd April 2023

Smart Saver: great rates, flexible terms, easy app

It's great, the variable notice periods keep you in control but give you some of the best rates out there. App is easy to use and as yet totally reliable. Saving how it should be! Reviewed on: 3rd April 2023

Nimble and easy

Banking with Zopa has been a delight. The app is super easy to use and they make their product offerings really clear and easy to understand. Reviewed on: 3rd April 2023

Great service

Zopa has been a great savings account with top interest rates. Would highly recommend! Reviewed on: 3rd April 2023

Simple great value

Smart saver offers great value rates and instant transfers, what's not to love.. Great app too... Reviewed on: 3rd April 2023

Great Rates, Great Service

My experience with Zopa has been fantastic. Opening my savings account was quick and easy, and customer support are easily contactable for any issues (which was a reservation I had initially about using an app only bank). The interest rate when I opened the account was market leading, and continues to be only fractionally below the current market leader having been increased twice since I opened the account. Very happy Reviewed on: 3rd April 2023

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