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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)

Quick, easy, excellent savings rates

It was so quick and easy to set up my Zopa account, I think the booster pots are an inspired idea and I really like seeing the interest grow, rather than coming in at the end of the savings term. Strong recommend! Reviewed on: 20th February 2023

Fantastic

Fantastic, easy to use app. Have recommended to many friends. Reviewed on: 20th February 2023

Good interest rate and not invested in fossil fuels (as far as I can tell)

As per the title. Most banks are trying to destroy the planet as fast as possible. Reviewed on: 20th February 2023

Very easy to set up and operate

Im not a tech person but zopa's app is very simple to navigate. Competitive interest rate. Reviewed on: 20th February 2023

Quick, easy and stress free savings

Whilst the high interests rates drew me in i expected the process might be an offset for better rates but it couldnt have been easier to set the account up. After the initial set up you can then set up really simply, a couple of clicks, the various savings pots with different rates and time locks. It makes it really stress free for me to map out which cash i need to allocate for which bucket in case of emergencies. My partner has signed up too so we can easily manage our money. Easily the best banking experience ive had. Reviewed on: 20th February 2023

Easy to open, great interest rates

Recommended by MSE and am very happy with service! Great interest rates and very easy to open and transfer money between accounts Reviewed on: 20th February 2023

User friendly, market leading savings app

I was really pleasantly surprised by how easy and straightforward it was to open a savings account with Zopa. Their app is brilliant, with a really clear, focused design and layout. What I really like about their savings product is the ability to split your savings into different "buckets", earning higher interest rates the longer you lock your funds up for, the 7 day and 31 day options being particularly appealing. Overall it feels like a unique and relevant product compared to what's on offer from other providers, and I would recommend it to other savers. Reviewed on: 20th February 2023

An easy, efficient savings account

I would highly recommend others to use Zopa. Setting up a smart saver is easy and the app itself is very efficient. Reviewed on: 20th February 2023

Excellent Savings Platform!

An excellent, simple savings platform with multiple choices of savings account. Simple to set up, use, and move money! 5 stars! Reviewed on: 20th February 2023

Rapid % rate response

Rate if interest is quickly and competitively reviewed on a regular basis alongside an intuitive and simple interface making it difficult to fault as an easy access savings account Reviewed on: 20th February 2023

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