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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)

Easy

Easy to use app based savings account with good interest rate. Reviewed on: 20th February 2023

Easy to use app

Easy to you app and great customer service. Reviewed on: 20th February 2023

Super easy to save for my first home!

Zopa has made saving for my first home incredibly easy! And the interest rates are amazing 10/10 will and have recommended!!! Reviewed on: 20th February 2023

Wish I had switched sooner

I was essentially losing money whilst putting my savings into a 0.5% interest account with a high street bank. I found Zopa through MoneySavingExpert and I’m so happy I’ve switched! Makes saving and budgeting so much easier. Love the money pot feature especially Reviewed on: 20th February 2023

Competative rates especially if you lock it away

Easy to use and a few options for locking your money away for a week, a month or 3 months, with interest rates increasing accordingly Reviewed on: 20th February 2023

Easy Peasy

What a great little app. Easy to use with flexible savings rates. It can’t get much more simpler. The future of banking. Reviewed on: 20th February 2023

Quick and easy

I use the instant saver Money paid in a few minutes after I pay money in , and again get money back in my account if I do a withdrawal Interest paid monthly , Reviewed on: 20th February 2023

Good savings rate with flexible accounts

I opened my account with Zopa so I could mix longer-term savings with easy access and yet still obtain a great rate of interest. Reviewed on: 20th February 2023

Simple, competitive, fast

I’ve been using Zopa’s savings product for a few months now and am very happy with the simplicity of their app, the interest rate offered, the interest being paid monthly, and how quickly topups are through Faster Payments. They now offer the ability to link your bank account in the app rather than do a transfer but I’ve not tried this option. Reviewed on: 20th February 2023

Amazing

Super impressed with Zopa, so easy to set up and use ☺️ Reviewed on: 20th February 2023

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