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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

Competative Rates

Zopa has consistantly remained competative with the savings accounts on offer, often quite hard to beat. Reviewed on: 17th March 2023

So Easy

Opening an account could not gave been easier and funds are credited and debited so quickly. Super account Reviewed on: 17th March 2023

Easy and secure

The account was very easy to set up, the interest rate is great and there are no hidden terms I have to adhere to - I can access the money when I want Reviewed on: 17th March 2023

Zopa - does what it says on the tin!

Very easy to open the account and transfer money in and out. Market leading interest rates on smart saver too. Very pleased. Reviewed on: 17th March 2023

Good rates. Good notice options

Very easy to setup and use. Find it extremely helpful to be able to set the notice periods for many cash pots in the same account Reviewed on: 17th March 2023

Very happy

I moved from my Halifax savers account to Zopa purely because of the interest rate being a lot higher. I really like the layout and the fact you can have booster pots too. I’ve only been using it for a short while but I have no complaints so far Reviewed on: 17th March 2023

Simple and easy with a great rate

Having tried and failed to open an instant access savings account with other app based providers, I'd encountered lots of issues with fraud warnings and it was very difficult to resolve them. I found Zopa much easier to deal with and they set our clearly issues I may face and how to deal with them, as a part of the onboarding. The result was a fully working account and no issues, oh and a great rate too! Reviewed on: 17th March 2023

Good interest rates but a new customer.

Only just joined so not much to say. Reviewed on: 17th March 2023

Smart Saver

Easy to setup and best option at the time Reviewed on: 17th March 2023

Smart saver for smart people

Nice & easy to use savings account with a number of different options to suit your needs. Reviewed on: 17th March 2023

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