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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

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

A simple and efficient way to save

This savings account was easy to open and to access. I love the enhanced interest rates on the savings pots. The app is so easy to use. Great communication via the app and email and speedy response to changes in the Banknof England interest rate changes. Reviewed on: 3rd April 2023

Great flexible savings account

Smart savings account is easy to use - easy to transfer money to and from your linked account. Great to have an interest rate that is variable and tracks Bank of England rate. The interest earned can be deposited monthly so it’s great to see what interest I am earning. Reviewed on: 3rd April 2023

Easy set up and so much good advice

Such an easy product to use and set up with flexibility and sound assurance. Reviewed on: 3rd April 2023

Great savings account

Greats savings account and really easy to manage and open up. Easy to move money around. The app is good too. Reviewed on: 3rd April 2023

Thumbs up for Zopa

Efficient bank with top paying rate. User friendly app. Reviewed on: 3rd April 2023

Great - would recommend

Really easy to navigate and great saving incentives Reviewed on: 3rd April 2023

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