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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

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4.82

Based on 8,149 reviews, last reviewed 17th Jun 2026

89% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th June 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 (8149)

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

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

Zopa, absolutely brilliant

I love using Zopa for my savings as I can have instant access and 90 day access at my fingertips. The interest rate is good and mostly changes before others. I have recommended Zopa to others and three family members have already ,moved their saving accounts and are very happy. Overall I’m very happy I moved my accounts to Zopa. Reviewed on: 20th February 2023

Excellent

Brilliant service, always helpful Reviewed on: 20th February 2023

Simple and easy with excellent rate

A totally fuss free way to a good rate on savings with genuine ease of movement of funds (via phone) and really easy accessibility. Reviewed on: 20th February 2023

Easy app to use, great interest rates

Easy app to use, great interest rates Reviewed on: 20th February 2023

Easy, quick and seamless

Great product, easy to use and navigate and all very transparent. Reviewed on: 20th February 2023

Easy and Accessible

The savers are clear, you're told the interest you've made and can split into pots to save for specific goals Reviewed on: 20th February 2023

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