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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

97% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

Great App and nice features.

The App is easy to install and the option of a boost savings is great. Reviewed on: 17th March 2023

Just great service

Great service and all so easy to do. Brilliant Reviewed on: 17th March 2023

Best bank

Very good savings account, easy to use Reviewed on: 17th March 2023

Simple, easy and good rate

Gave up trying to set up an online account with a traditional building society waiting on their checks and failure to send me my account details to make a deposit. Set up a Zopa account securely in about 5 mins. App works well and decent rates relative to access terms. Reviewed on: 17th March 2023

Easy to use

Very easy to use - referred by my mum to this bank for its smart saver. Reviewed on: 17th March 2023

Easy setup, competitive rates

Only took a few minutes to setup an online account and saving pots! Reviewed on: 17th March 2023

Straight forward and competitive

Some of the best rates in the market and very simple and quick to set up. Reviewed on: 17th March 2023

Amazing

Easy to use amazing rates…………….. Reviewed on: 17th March 2023

I love it

Seen this on martin lewis site thought I'd give it a go easy to set up app and very informative on other products and I like how you can leave your money in the instant access or if you do decide to go for that bit extra interest it is clearly laid out for you to choose with no pressure I love it. Reviewed on: 17th March 2023

Market-leading, useful and practical app-based savings account

I am very happy (delighted) with my Zopa app-based Smart Saver savings account. The interest rate is market-leading (3.21%). Another great benefit is that any withdrawals are received within minutes. If you withdraw money from savings accounts with many other providers, often you have to wait until the next working day to receive your money (pretty useless & not practical). For example, if you wish to withdraw money on a Saturday, you'd have to wait until Monday to get your cash! It is also much easier to manage your savings using an App (as is the case with Zopa) - rather than having to log in online to withdraw money from a savings account. Obviously logging in online takes longer & you might not have a laptop or computer to hand. Reviewed on: 17th March 2023

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