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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

Very easy to use and great interest

The app is easy to use and the ability to boost pots is a great way to earn higher interest while locking away some money for future use. Reviewed on: 20th February 2023

Innovative but intuitive

Really clever product. Great rates even for simple savings accounts, but the ability to boost them by locking them away for various periods allows for loads of flexibility and more opportunities to maximise savings. Reviewed on: 20th February 2023

Excellent savings vehiclr

Very pleased to be able to access this Smart Saver savings account by Zopa. Reviewed on: 20th February 2023

Amazing bank and service

Passed on interest rates given to customers when Bank of England increase rates. Some banks haven’t done this Reviewed on: 20th February 2023

Great rates

Easy acces easy to use and good rates Reviewed on: 20th February 2023

Great savings account

Very easy to set up and a great encouragement to save with a good returns on your money. Reviewed on: 20th February 2023

So Easy!!

I set up a Smart Saver account & cannot believe how easy it was! Easy to set up, easy to understand, easy to transfer money, easy to earn interest!! Easy. I have recommended to friends and family Reviewed on: 20th February 2023

Flexible, easy online savings

I was looking for good short term savings that gives a great rate but has flexibility to withdraw, Zopa s so easy to use with instant and secure access to my savings Reviewed on: 20th February 2023

Perfect for struggling savers

I’ve now had 3 of my friends open Zopa smartsavers since telling them about it. It’s a great way to save, especially for those of us who lack a little discipline. The interest rates frequently increase as the product takes off. Customer service are always helpful and friendly and quick to respond. Won’t hesitate to continue recommending Reviewed on: 20th February 2023

Zopa has great saving products

Zopa’s interest rates are extremely competitive. Smart saver with the added bonus of the ability to transfer money into different savings pots with higher interest rates is a great idea. The App is also a breeze to us. I highly recommend Zopa! Reviewed on: 20th February 2023

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