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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

Simple to set up and simple to start saving

Simple to set up and simple to start saving Reviewed on: 17th March 2023

An alternative savings plan that makes sense!

This savings plan offers decent rates, easy to set up and manage. Happy customer! Reviewed on: 17th March 2023

Easy to use and good interest rates

Great simple app, easy to make instant transfers with your main account, and excellent market leading rates. Reviewed on: 17th March 2023

Straightforward and easy to use

Really easy to set up and use, interest rates are good and information is communicated well. Highly recommended Reviewed on: 17th March 2023

Great savings accounts

They have one of the best interest rates and are very easy to use Reviewed on: 17th March 2023

Great rates and easy to set up.

Very intuitive interface and simple to navigate - a good experience so far. Reviewed on: 17th March 2023

The best savings account hands down!!!

The best rate of interest on the market, as well as a brilliant, friendly app - thanks Zopa!! Reviewed on: 17th March 2023

Easy to use & great for savings!

The best savings account I’ve used, great rates & easy to access. Reviewed on: 17th March 2023

Every last penny counts

Found out about Zopa through money saving expert. Interest rates for instant access and short/medium notice savers started off competitive and only improved. I have a 0% purchase credit card with a few thousand on it which needs to be paid off by September. Rather than settling this now, I'm getting 3.47% AER paid monthly which equates to about a tenner a month for it to sit there. The 90 day notice required stops me spending it and ensures I'll be alerted when the notice period expires and it's time to settle the card. That makes me happy. Reviewed on: 16th March 2023

Easy to use, competitive interest rate

Easy to use, competitive interest rate Reviewed on: 16th March 2023

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