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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

Smart and Rewarding

Very easy to st up and the app is super smart! Competitive rates and really easy to understand. Reviewed on: 17th March 2023

Very Competitive Rates

I recently open an account with Zopa having compared their rates with other banks that I was with. In fact, I moved all my money and transferred to Zopa because their rates were too good. One bank was giving me 1.55% while Zopa with same access is 3.21%! Reviewed on: 17th March 2023

Excellent product

So easy to open an account. 5 stars Very competitive Interest Rates. 5 stars Excellent customer service. 5 stars Exactly what a bank should be. Reviewed on: 17th March 2023

So easy!

So often these web sites deter the user. With Zopa I felt confident through the entire process. Feedback was straightforward and immediate. Thanks Zopa. Reviewed on: 17th March 2023

Fantastic service

The process of opening the account was really easy and the communication was fantastic. Reviewed on: 17th March 2023

Excellent

This is my first time using Zopa and I’ve had an excellent experience. The app is so easy and straight forward to use and they offer very competitive interest rates. Would highly recommend. 10/10 Reviewed on: 17th March 2023

ZOPA Saver- SUPER SAVER

EXTREMELY easy to use. Various interest rates available to suit different savings. Very quick to get going - other banks take months and required all sorts of identifications. The BEST I have come across, and I have examined many. Reviewed on: 17th March 2023

Great interest rate, great app

Zopa currently offers one of the best instant access interest rates, with no restrictions on withdrawals (on "Access" pots). They also give the option to boost the interest rate on part or all of your money by providing different notice periods for withdrawals. Very flexible saving. Reviewed on: 17th March 2023

Easy-to-use app

I was recommended to use Zopa by my family when my own savings account was no longer competitive. The Zopa app is easy to use, intuitive and a great cornerstone for modern banking Reviewed on: 17th March 2023

Saving made simple

The app is a fantastic tool for saving, and the auto-save feature gives me peace of mind that I'll continue to meet my saving goals! Reviewed on: 17th March 2023

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