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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

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

Simple flexible savings

Good basic competitive interest rates with simple “savings pots” for selective savings boosts. Pretty fast changes to interest rate changes made me end up with a large proportion of my savings in Zopa. Reviewed on: 3rd April 2023

Simple and easy to use

Linked to your account account banking app so very easy to move your funds about Reviewed on: 3rd April 2023

Great, simple way to save

Love Zopa - it’s so intuitive, easy to use and the interest rates are probably the best in the market. Would definitely recommend to friends and family. Reviewed on: 3rd April 2023

Easy to use

Ease to use with a great savings rate. The app is fresh easy to manage and find what you are looking for. Very easy to move money in and out the platform. Overall a great product and comforting to know my savings are held there. Reviewed on: 3rd April 2023

Great easy to use

Good rate of return, easy to use and separate your money into different length pots Reviewed on: 3rd April 2023

Appy Days

Trusting an app for your saving needs can be quite daunting but Zopa has been the best savings account I’ve ever used. It’s easy, quick and the interest rates are phenomenal for the type of account it offers. I’ve recommended this app/bank to all my friends who are looking for an easy way to save. Couldn’t ask for anything more other than money transfer times being a little quicker, although this is very minor as the transfers aren’t long, between 20mins - 120mins depending on which service you use. Reviewed on: 3rd April 2023

Great rates and easy to use

Market leading rates at all levels of savings access. Easy to use app. Reviewed on: 3rd April 2023

So far, so good!

I've been using Zopa for 3 months and it's been great so far. Reviewed on: 3rd April 2023

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