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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

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4.82

Based on 8,149 reviews, last reviewed 17th Jun 2026

89% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th June 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 (8149)

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

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

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

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