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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

102% 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

It does what it says

I have been pleased with Zopa. I wanted better interest rates with reasonable flexibility and Zopa does just that. The options of movement between several formulae is good and the app is very good and easy to use. The only reason I withhold one star is that I can see there are marginally better interest rates out there, but maybe with less good terms. Reviewed on: 3rd April 2023

Online Saving Account

Easy online saving account with great saving rates to meet the markets best. Always kept up to date with changes to rates which are automatically added to my account. All I need to do is sit back and watch my money grow. Reviewed on: 3rd April 2023

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

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