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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

97% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

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

Fast, easy, reassuring!

Reliable company that I've used for many years, easy to setup different saving pots for my money, with different rates and access periods. Great that they arre dynamic and change with the current interests rates. App is brilliant at managing the money and makes it easy to access. Fantastic service and company. Reviewed on: 16th March 2023

Interest

Great to see money grow as interest is added each month. Reviewed on: 16th March 2023

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

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