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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

Flexible, Quick access, Good rates

The rates are one of the highest I've seen, locking money away for 7, 31 or 95 days will give you higher rates, so you cannot touch it. I tend to use the 95 day option for longer savings I don't need to touch. The app interfaces with my Bank account seamlessly and quickly (money is transferred within 30 minutes). Reviewed on: 20th February 2023

super

easy to use! anytime anywhere, it is very convenient! Reviewed on: 20th February 2023

Quick simple efficient

Very easy to set up and to use - works extremely well. Reviewed on: 20th February 2023

Brilliant Company

Super easy to open and operate! A great company! Reviewed on: 20th February 2023

Total power to the customer

Without a doubt, the best savings account I've ever had! I can move money in and out at will, designated to an unlimited number of different pots, and choose the level of interest depending on how soon I might need the money. So if a client pays for a year's work in advance, I can pop that money in a higher-interest pot and 'pay' myself into my current account as and when the work comes in. If I want to save up for a nephew's driving lessons? Just make a pot. Transfers of funds to and from my bank are handled smoothly and swiftly, and I get an email to notify me of any actions. I'm not one to exaggerate, but I've never felt so in control of my savings. This is banking for the 21st century. Reviewed on: 20th February 2023

Simply and easy

I was looking for an account with a good interest rate that didn't keep my money locked away for a long time. I found the Zopa app with great interest rates and created a Smart Saver with instant access and another one with 95 days notice which pays more interest. Both great options for my savings needs. Simple and easy to use. I was also surprised that when the interest rates went up my accounts rate went up as well. I was previously using Lloyd's and when the interest changed on their accounts I would not be able to get better rate until the anniversary of the account when I could renew Reviewed on: 20th February 2023

Fast, easy, great rates.

Switching to Zopa couldn't have been easier. Their app makes things super-straightforward and their interest rates on the various savings accounts was better than any other company when I transferred over to them. Great! Reviewed on: 20th February 2023

Flexible and great rates

It's great being able to have easy access to some of my savings at a good interest rate and get even better rates by putting some away for a short period. I also like the way that general interest rate rises are reflected very quickly in the Zopa rates. Reviewed on: 20th February 2023

Smart Saver

Zopa App is easy to use. Competitive interest rates. Very happy with my account. Reviewed on: 20th February 2023

So easy and efficient

Great app, very straightforward to use. Fabulous rates for savers, too. Reviewed on: 20th February 2023

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