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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)

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

Amazing savings!

Very simple and easy to use user experience on the app. Transfering my savings was a breeze. Reviewed on: 4th March 2023

Best Saver Account

Very easy to open and manage the account.market leading interest rate Reviewed on: 4th March 2023

Easy saving and great rates

My previous savings account was earning me a pittance and had been for years (0.05%) so I decided to do something about it. Zopa seemed a good option so I gave it a try. And boy am I glad I glad I did. The interest rates and really good and saving is easy and quite fun with the various ‘pots’ you can create. Great for someone who wants to keep a little bit of their savings available whilst the rest makes good gains. Reviewed on: 4th March 2023

Zimple zopa zavings

Easy to set up and use, good rates and friendly service. Reviewed on: 3rd March 2023

Zopa - so good!

Excellent bank, great rates, easy access. Simplicity at its best. Reviewed on: 1st March 2023

Shocking Customer Service

Never use this company to save your money with. I have been trying to link a new bank account for 1.5 weeks now, and I have still had no resolve. Between using the phone number and chat functionality, nobody has been able to identify why my statement wasn't verifiable (despite all details aligning). The treatment I received from some of their customer service employees is despicable. I am filing a formal complaint as the stress I have gone through as a result of their lack of capability is huge. Due to their inability to help resolve my issue, therefore being unable to access my savings, I have had to postpone buying a car which means I cannot make it to work. Reviewed on: 1st March 2023

Great rates, easily managed

Zopa offer an easy to use way of managing my money to get the best returns because they offer such great rates of interest. Reviewed on: 1st March 2023

So easy to set up and use

My account was so easy to appky, set up and use. Also excellent, competitive rate. Reviewed on: 28th February 2023

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