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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

101% 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

Great online banking

The banking app is so easy to use compared with other banks apps. Is simple to transfer money instantly into a higher interest account. Simple and secure. I love it. Reviewed on: 3rd April 2023

Great company

They are quick to raise their competitive rates. Love their app. Get notification when money hits my account. Reviewed on: 3rd April 2023

Reliable

Transparent company, easy to keep tabs on savings. Reviewed on: 3rd April 2023

Easy access Saver

Easy to open Good interest rate for an instant access account Easy to set up payments in and out I'm very pleased with this account. Reviewed on: 3rd April 2023

Brilliant flexible savings app

The savings app is very easy to manage and the rates offered are very competitive. You can switch between instant access and longer term savings with a simple click. Withdrawing money is also a piece of cake. Reviewed on: 3rd April 2023

Easy to deal with. Efficient

Easy to deal with and are efficient Reviewed on: 3rd April 2023

Very impressed

I've really enjoyed how easy the app is to use and have recommended to family and friends. Reviewed on: 3rd April 2023

Savings

Smart and easy to save so much money. From small amounts to big ones. You can manage by your self and you can choose how you want and how much you want to save. Everything depends on you. I love it Reviewed on: 3rd April 2023

Zopa's Smart Saver offers some of the best rates around

Overall I'm really happy with Zopa's Smart Saver account. The app is really user friendly and easy to use. The boosted pots is a great little incentive and a good way of getting even better interest rates on your savings. It also feels very safe as you can only deposit or send money from or to accounts that you and Zopa have verified. Have recommended Zopa to all of my family looking for a new savings account. Reviewed on: 3rd April 2023

One of the best

When comparing savings accounts, Zopa’s came out on top in terms of reviews and interest rates. The app is very easy to use and I like the different options of creating a pot for a new home etc. It’s also useful having an accessible savings account with a very decent interest rate as well as the choice to have another pot with a higher interest rate. Reviewed on: 3rd April 2023

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