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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

Simple Good Rate Savings

Easy to use, very transparent on how to manage your savings. Reviewed on: 20th February 2023

Brilliantly simple

Got recommended Zopa by a friend. Held off putting money anywhere, as I knew I may need access to it at the drop of a hat. Zopa ticks all the boxes. Great rate, easy access, all on a very simple to use app. Reviewed on: 20th February 2023

Easy to use Company

Easy to use app and well displayed. would recommend to anyone. Reviewed on: 20th February 2023

Really simple - a great way to save.

Zopa has been a great way for me to start my saving journey. Would recommend to friends and family. Reviewed on: 20th February 2023

The Easy to Use Smart Saver!

Zopa has been incredibly helpful for me as a person who struggles to manage finances. With Zopa I can create different pots with different interest rates that allows me to organise my finances with ease. Reviewed on: 20th February 2023

User friendly, top rates

As above really cannot say more than that. Really easy to use, user friendly app. Best interest rates on the market for most of the year, easy to lock away (and unlock) for better rates but for short periods of your choosing to an extent. Recommended Reviewed on: 20th February 2023

Pots Pots Pots

I love that i can save my money into one easy account and split it across pots so I get a clear view of how much I have for each of my saving goals. Boosting interest on whichever pot you desire is a great user friendly feature also. I don’t know why other banks don’t follow your lead. Thanks Zopa! Reviewed on: 20th February 2023

Great for earning interest and saving money

Easy way to save money in different pots, earn high interest on savings and the app works well Reviewed on: 20th February 2023

Easy to understand products

Zopa have produced straight forward products that are easy to understand and use. The app is simple, yet comprehensive. Dealing with them is hassle free Reviewed on: 20th February 2023

Flexible savings

Great to have choice of saving pots with tiered interest rates linked to ease of access. Reviewed on: 20th February 2023

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