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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 2026

82100% 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd 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.

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Zopa Smart Saver reviews (8052)

Best Rates

Offers best instant access and gives you increased rates automatically if interest rates rise Reviewed on: 14th March 2023

Brilliant savings account

Great app and bank, I'm very glad that they have kept increasing the interest rate along with interest raises! Reviewed on: 14th March 2023

Quick and easy to set-up

I find the app really easy to use and transfer money. The account was quick and simple to set-up and they regularly pay decent interest rates. For a simple, easy to access your money account I can't fault it. Reviewed on: 14th March 2023

Easy to use, flexible and competitive saving interst rates

I have held a Zopa Smart Saver account for quite a while. I find it very easy to use, love the idea of savings 'pots' and find the saving interest rate is always close to the best available and updated when the central Bank changes its policy rate Reviewed on: 12th March 2023

best saving accounts

Best saving rates! Moving money between the pots is super easy and clear Reviewed on: 11th March 2023

Soooo Easy!

Once set up, very easy to add and move money. All with very clear wording and advice if needed. Reviewed on: 11th March 2023

Good interest, flexible, varied 'fixed term savings pots'

Great set of products - easy / quick to withdraw or move money to higher / lower notice 'pot'. Kept up to date with each transaction & increased interest rates. Reviewed on: 10th March 2023

Quick, easy and perfect for my saving needs

I liked the idea of being able to save in "Pots" it helps me keep track of my money and puts me in complete control of my savings , be they easy access, or for the longer term. The interest rates are better than I was getting elsewhere and I am updated regularly via email as to interest rate changes. The account was quick and easy to set up and moving money is easy via the app. Great service , Thanks Reviewed on: 10th March 2023

Excellent

Easy to use and great interest rates Reviewed on: 9th March 2023

Great way to save with one of the best rates

Very easy to open different pots for easy-access and fixed term, with super competitive interest rates. Only thing I'll improve is how long it takes to withdraw money from them, it can take up to 2 hrs, which can sometimes be too long Reviewed on: 9th March 2023

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