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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

Smart saver

Easy to set up , easy to use and pays a great interest rate. Reviewed on: 3rd April 2023

Best Savings App On line

Easy to set up, easy to use and move add / withdraw funds, brilliant rates nothing to dislike!! Reviewed on: 3rd April 2023

Great

Easy to use, splitting between different pots make organising a breeze Reviewed on: 3rd April 2023

Innovative products with great rates!

Zopa's strategy is revolutionary. They offer excellent savings rates with 'boosts' for longer notice periods. This means, rather than accessing your money immediately, you can keep it in a while longer for a higher rate. Their rates are higher than I've seen elsewhere. Their app is user-friendly and intuitive. I highly recommend this company. Reviewed on: 3rd April 2023

Flexi saver

I have always been reluctant to save money and especially when it means locking away for a long time. I feel with zopa you have full control of how much you want to lock away for how long with good rates too. I also like how they very quickly increase the rate of Bank of England rate increases. Reviewed on: 3rd April 2023

Good app to have a savings account

Very easy to use has a very high interest rate Reviewed on: 3rd April 2023

Very good interest rate saving account.

I am extremely please with the Zopa smart saver account I hold. Very good interest rate and Very quick transfers in and out. I would recommend this company to most people and I have also recommended this to some of my friends and family. Reviewed on: 3rd April 2023

Recommend to my friends

Competitive savings rates and really easy to use, track and save Reviewed on: 3rd April 2023

Brilliant service

So easy to use, instant access to money if needed and easy to log in and keep track. I would highly recommend this to everybody. Reviewed on: 3rd April 2023

Great Interest Rates

Love the choice of the different pots to enable me to save and not get at my money instantly. Instant access for emergencies and then the other pots for anything I want to save for. Reviewed on: 3rd April 2023

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