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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

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

Easy to use app

The app is super easy to use and it was very quick setting up an account. Also great interest rates. Reviewed on: 9th March 2023

Great rates and easy to deal with

Always have competitive or market leading rates and easy to use the app. Reviewed on: 7th March 2023

Market leading rates and great app

Zopa has been a breath of fresh air for my savings. I was barely getting 1% with my mainstream bank provider, even when interest rates had risen to nearly 4%. Coupled with this, they have promptly increased rates when they see fit. I always love the way I can set up different ‘pots’ which makes the approach to saving easy and transparent Reviewed on: 7th March 2023

So easy to use.

I was recommended zopa for a credit card. I have one and a smart saver and its so easy to use. You can put money in and out as you need and they're so helpful. Reviewed on: 6th March 2023

Easy and good rates

It was extremely easy to set up and they have some of the most competitive rates on the market which are kept up to date. Reviewed on: 6th March 2023

Great savings rates, easy to operate App

Easy to operate accounts and transfer funds in and out. App looks and works great. Very simple to use. Rates are some of the best around and it’s really easy to boost your account to a 7 or 31 days account with higher interest. Love it. Reviewed on: 6th March 2023

Quick to increase interest rate

Very quick to increase interest rates inline with BOE policy. Increase all so applies to any boosted/notice pots that I have opened. And a great customer service all round. Reviewed on: 5th March 2023

Zopa App

User-friendly intuitive app, with good rates and the option to boost your rate by locking an amount of your choice away for set periods Reviewed on: 5th March 2023

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