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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

just outstanding best intrest rate on the market

happy as can be easy to use app and the suecrety is safe Reviewed on: 20th March 2023

Excellent service

Very quick and easy to setup an account, to take photos of id, etc required for creating an account, all the time being kept informed via email/text of the progress of my application and within hours able to start adding funds to my account via Open Banking. I was also pleased that the opening of an account required login security settings to be setup as part of the process, something that some of Zopa's rivals failed to do. The app is also easy to use and I would definitely recommend Zopa to others. Reviewed on: 20th March 2023

Very good smart saver

Very good app, very good savings account with a very good interest rate. Happy to use this product. Reviewed on: 19th March 2023

Straight Forward

Easy to understand the app. Like the flexibility of being able to move your money into different pots so you can have a mixture of no notice total easy access and notice pots with higher rates of interest Reviewed on: 19th March 2023

Be A Smart Saver with Zopa!

Easy to apply using your smart phone. Lots of good interest rates available depending how long you want to tie up your money! Reviewed on: 19th March 2023

Good Savings Product

Really competitive interest rates and so easy to set up Reviewed on: 19th March 2023

Quick, Easy, Effective

Very quick to set up! Like how I can access my money at all times. Highly recommend. Reviewed on: 19th March 2023

easy to use, easy to move around, super clear

it's making it simple and clear, and prioritising the customer experience and ease of making the best saving Reviewed on: 19th March 2023

Fast and Furious

So I did quite a bit of research, and Zopa gave me the most choice, and the highest rate of return, out of about 6 financial institutions I looked at, for us "normal folk" who don't have much, but would still like to get as close to earning the returns, those do, with loads more money than we have. Thanks Zopa, opened my various POTS with issues at all. Reviewed on: 18th March 2023

Just about right.

Very easy to set up account, and competitive interest rates. was impressed to find that as a Which? member that Zopa is a recommended provider and also recently top listing in the Mail on Sunday finance pages. Reviewed on: 18th March 2023

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