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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

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

Honestly an amazing way to save

I have struggled for the longest time saving money, Zopa has allowed me to start looking forward to my future and not be worrying about any money problems. Changed my life Reviewed on: 18th March 2023

Fabulous and so easy to use/access

So easy to set up/ great site and is easy to use and transfer money which is there almost instantly. Love the online account and no need to go into a bank. Would highly recommend Reviewed on: 18th March 2023

Zopa - great rates, great UX

An every day cash savings account only requires a few things to be great. Easy to open, easy to use and great rates. Zopa does all of these well and has set the bar. Reviewed on: 18th March 2023

Good account shame about the App

Great saving account however the app is very flakey and not very user friendly Reviewed on: 18th March 2023

Good saving rate

Very easy to operate the account. Reviewed on: 18th March 2023

Instant Access with a Good Return

Easy set up online - Good security and App works well Reviewed on: 18th March 2023

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