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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

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

excellent product for savers

New account but features flexible options to creates pots with specific purposes and fixed terms. Flexible and innovative. Reviewed on: 17th March 2023

Best easy access saving rate

Best easy access saving rate, love the tiered boosted pots all available in one app. What’s not to like! Reviewed on: 17th March 2023

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