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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 2026

82100% 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd 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.

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Zopa Smart Saver reviews (8052)

Great Savings Rates

Great savings ratescand all on the phone Reviewed on: 29th March 2023

Easy to manage on app and strong rates

The Smart Saver product offers real flexibility with how I want to save and I can do it all on my mobile app. The rates are always strong and I love the feature of being able to create different boosted pots! It lets me keep my finance goals organised while leaving a small emergency amount in their instant access pot so that I can have money and earn a bit of interest but access it immediately if an emergency comes up. Reviewed on: 29th March 2023

Easy to use and good rates

I moved some of my savings to smart saver because of the rates. The auto save feature is really convenient so I don't have to think about it. I can still add whenever I want and have put some of my money in some of the boosted pots. Reviewed on: 29th March 2023

Perfect

Perfect, easy to manage savings account with great rates to boot. Reviewed on: 29th March 2023

Great Interest Rates

I found setting up my Zopa smart saver account really simple. I have been impressed by the interest rates and app is easy to use. I have been recommending to friends and family. Reviewed on: 29th March 2023

Efficient and Competitive

I opened a Smart Saver with Zopa. The account was opened within minutes and has a very attractive interest rate. Payments into and out of my account are easy and fast. The app interface is clean and simple to use. I don't waste my time using Zopa! Reviewed on: 29th March 2023

Brilliant company!

Did me a world of good! I thank them so much for their help! Reviewed on: 29th March 2023

AVOID!!!!

AVOID!!!! One star is too generous. Trying to transfer money into another account due to financial situation. I provided the necessary document to verify the bank account and received confirmation this was done. Transferred the money and closed my account only to receive an email saying the funds are being returned (to a now closed account) as the account they had verified had not actually been verified. I've no idea where my money is. Reviewed on: 27th March 2023

Innovative Savings

Excellent savings app with cutting egde savings rates Reviewed on: 26th March 2023

Excellent

Good app, flexible savings pots and they’ve always been quick to pass on interest rate rises to their savers. Highly recommended Reviewed on: 26th March 2023

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