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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 2026

82100% 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd 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.

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Zopa Smart Saver reviews (8052)

Love Zopa!!

Absolutely love saving with Zopa. I love the flexibility of having various pots that I can boost as needed. Really easy to navigate and the interest rates are really competitive. I’ve already got my boyfriend to open an account and can’t stop raving about Zopa to anyone who will listen! Reviewed on: 20th February 2023

Easy to set up

Very easy set up, connected my bank account within mins and now the payment is automatic each month. Reviewed on: 20th February 2023

Easy to use and a little bit of interest

I find the account is ideal as I try to keep back as much as possible each month, it also makes we more cautious about spending when I have to transfer to my normal First Direct account. Also a little amount of interest is beneficial Reviewed on: 20th February 2023

Flexible Savings

I really like the option to have boosted pots, even if only to separate amounts of money visually so I can save and keep track a lot easier. Reviewed on: 20th February 2023

Great account great app

So pleased with the ease at which I could open a savings account, and be able to transfer money whenever I want to on the app. It’s simple to use and accessible at any time. Reviewed on: 20th February 2023

Easiest way for me to save

Wanted to start saving but as I live in a rural village I don't have access to a bank etc near me. Found Zopa, saw it was highly recommend and signed up very quickly and with easy. Very simple system to use and I can see my money grow which encourages me to save more. Reviewed on: 20th February 2023

Fantastic savers with great rate

I started with Zopa about a year ago, choosing them for their generous interest rates. Since then these have almost doubled. As a student, this has been a great way to get a little more spending money in a cost of living crisis Reviewed on: 20th February 2023

Great return on savings

So simple to maximise your savings by swapping from current account to savings Reviewed on: 20th February 2023

Easy saving, good rates

Very easy to set up and transfer between different 'boosted' pots for even better rates. Reviewed on: 20th February 2023

Not always passing on rate rises to their savers

Profiteering from rate rises by the BoE not passing any on to its investors/savers Reviewed on: 20th February 2023

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