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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

Easy to setup in app takes minutes

Quick, easy and efficient service from end to end. Also love boosted pot’s functionality Reviewed on: 20th February 2023

Helpful and easy

Been with them for a couple of weeks and is absolutely amazing Reviewed on: 20th February 2023

Great saving rates!

I think I was recommended Zopa by Money Saving Expert website and in under half an hour, I'd downloaded the app, set up an account and transferred my money across. It was super easy and the saving rates are miles better than elsewhere. Love the fact you can create different pots of money that get better rates based on the length of notice you have to give to withdraw the money. App is easy to use and simple to understand. Really impressed and happy I moved my money across as my current account was not paying a decent rate. Reviewed on: 20th February 2023

Easy to understand and jargon free

Simple and user friendly. Easy to set up. Reviewed on: 20th February 2023

Excellent product

A very easy to use savings program. Excellent app. Reviewed on: 20th February 2023

Everything to gain - nothing to lose!

Zopa’s clever Smart Saver account includes a savvy incentive to save for special items or events called Access and Booster pots. Love the latter where interest rises from 2.86% to 2.91%. On my way to saving for new electric car! Smart banking app a breeze to use and very secure. Reviewed on: 20th February 2023

They're great

Very easy, super quick to set up and money always arrives on time. Competitive rates as well. Reviewed on: 20th February 2023

Good for savings

I have only tried savings, but it has been a good experience so far using the Zopa iPhone app. Not the highest interest rate you can get, but still quite good and it is easy to access your money when you need to dip into your savings. Reviewed on: 20th February 2023

Solid, Reliable saving account service

I was a little sceptical going into using this savings account, but since I have, there's been no issues. I've deposited and taken out money from my savings account very easily and without issue. It's not instantaneous, which is something to potentially improve on, but other than that, no issues and I would recommend to anyone if they asked. Reviewed on: 20th February 2023

Very good

Lots of different options, very good interest rates and many different ways to save. Reviewed on: 20th February 2023

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