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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

Easy to set up

Easy to open, and I’m now earning 3% from my cash savings instead of 0.5% Reviewed on: 20th February 2023

Very easy to set up an account

The ability to set up an account in just a few minutes and transfer funds directly from a different bank in an extremely streamlined process is a wonderful experience compared to the modern approach of trying to sell different services before you can even access your account, well done team ZOPA. Reviewed on: 20th February 2023

Easy to use and understand

The app is user friendly and efficient. I love the way you can request money from other accounts as opposed to having to go into my other apps and send the money. Reviewed on: 20th February 2023

ZOPA is Great!

ZOPA have competitive interest rates and I would highly recommend them. Reviewed on: 20th February 2023

Extremely easy to set up and use

One of the easiest savings accounts to set up and use. Also offers some amazing rates. Reviewed on: 20th February 2023

Very easy to use. Good service with great products.

Very easy to set up my accounts and to view everything. Offered the best rates for what I was looking for. Reviewed on: 20th February 2023

Best savings rate and fairly quick in keeping it up-to-date with BoE

As per the title, Zopa provides the best interest rates. They keep up with the changes with BoE interest rates and pass it on quickly to the customers. The app is great and very functional. The only downside of using Zopa smart saver is the long time it takes to make transfers. Reviewed on: 20th February 2023

Easy and fast saving

The account was easy to set up and the additional savings pots are an nice extra touch allowing you to gain more interest in a convenient way Reviewed on: 20th February 2023

Easy account to use with great savings rates

I’ve opened a few of these savings accounts and can’t believe the difference in interest rates as compared to high street banks. It’s very easy to use these accounts too. I would definitely recommend to friends and family. Reviewed on: 20th February 2023

Excellent Company

Efficient no nonsense company with good savings rates Reviewed on: 20th February 2023

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