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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)

Pot based savings at a great rate

Ring fencing your money into different pots means no need for multiple accounts and the great rates make it a no brainer. Reviewed on: 20th February 2023

Easy saving!

So easy to set up and transfer my money into each month and a great rate! Reviewed on: 20th February 2023

Great app making it easy to save

Got credit card with 0% transfer. Great as didn't have great credit score. Have managed to save using them also. Fantastic for me. Reviewed on: 20th February 2023

user friendly Zopa

The app is so easy to use. The layout gives an immediate overview if you have more than one pot of money. Each pot shows you how much you've put in, taken out, earned as interest. Their email updates are just often enough, not overwhelming. And! ... they do great interest rates! :-) Reviewed on: 20th February 2023

Market leading rates

Having looked around for a safe haven for my savings combined with top rates and easy access I settled on Zopa. Simple to operate app and FSCS protection. In addition you can boost your interest rate by accepting one of three short notice periods, 7, 31 or 95 days. So flexible and easy to operate. Highly recommended! Reviewed on: 20th February 2023

Very easy to use and a great interest rate

Excellent app based bank. Very easy to set up with extremely competitive interest rates. I like being able to see my various "pots" at a glance and can move money around simply Reviewed on: 20th February 2023

Saving made easy

The smart saver is an easy way for me to manage my savings. Having separate pots allows me to set money aside for each mini project and depending on the time frame, I can lock in and get extra interest. Easy peasy Reviewed on: 20th February 2023

Competitive product with accessible, easy platform

Really accessible platform, offering products with incredibly competitive interest rates. Zoopa makes it easy to get started and stay on top of your savings - including switching between its 'boosted' products to maximise savings! Reviewed on: 20th February 2023

Quick and Easy

Great value, easy to set up, helps you save. Reviewed on: 20th February 2023

Have recommended this account to so many people now

What’s not to like. Free money. Easy to set up. No hassle. Reviewed on: 20th February 2023

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