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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

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

Quick, easy & good rates

Saw Zopa online when looking for better savings rates and was easy to sign up. The ability to split your savings into pots and then put some of these on higher rates if you need less access is very useful. Reviewed on: 24th March 2023

Great Service

It was really quick & easy opening account online. I opened because unhappy that interest rate rises not passed on by my current bank. Reviewed on: 24th March 2023

Easy set up

As a new customer it was really easy to set up an account via the app and get saving quickly. Reviewed on: 23rd March 2023

Best Savings account ever!

I have had a seamless experience setting up and managing my new smart saver account with Zopa,I have already started recommending your company to my family and friends. I love the idea of money locked away with no minimum starting amount and I look forward to saving with you for many years to come. Keep up the good work Zopa! Reviewed on: 23rd March 2023

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