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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (7180 reviews)

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4.94

Based on 7,180 reviews, last reviewed 17th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great bank and really good customer service and comp... Great bank and really good customer service and competitive rates Reviewed on: 7th September 2025

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 (7180)

Best Banking Experience Ever

The whole experience of setting up the app and transferring money into the savings account was seamless and easy. Have been delighted with the way that Zopa have increased the savings interest rate quickly in line with BOE rates which means I’m getting one of the best rates available ( unlike my main bank who have so far not passed on any of the increases) The Smart Saver account allows me to have different “pots” of money with different access times and the app makes it easy to transfer funds in and out of each pot and move money around. I wish my main bank ( one of the big 4) was as good as this ! Reviewed on: 11th January 2023

Super simple savings account with great interest rates.

Fabulous app-centric savings account. Easy to use. Good rates and lots of flexibility to boost lots by locking money away for longer notice periods. It just works and gives some of the best interest rates around on savings. Reviewed on: 11th January 2023

Great interest rates

Great reaction to interest rate changes Reviewed on: 11th January 2023

Quick and easy to use

Great way to save set up multiple savings pots for all your needs and a good interest rate to Reviewed on: 11th January 2023

Excellent Account and Service

I opened a savings account with Zopa because I was looking for an account that would provide a competitive interest rate but offer flexibility. Their smart saver gives me the best of both worlds as I can keep some money in an easy access account while moving some to a notice account to get slightly more interest. The account odd really easy to operate via the app and gives me everything I was looking for. Reviewed on: 11th January 2023

Super Easy Super Saver

Simple to set up, easy to understand. Pretty good interest rate for easy access savings account especially when you can plan ahead. Zopa were very quick to raise their rates after the BoE raised theirs. Reviewed on: 11th January 2023

Super zopa

Zopa is amazing. So so easy to use Reviewed on: 11th January 2023

Easy to use and fun app!

The smart saver makes saving easy and helps you think about longer term savings Reviewed on: 11th January 2023

Great savings, great service, great bank!

Love Zopa - having been a customer from 2017 I couldn’t recommend them or their products enough. Excited to see what they do next! Reviewed on: 11th January 2023

Great rates!

Easy to set up, easy to use, great features and love that it’s all based on the app Reviewed on: 11th January 2023

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