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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.94 (7440 reviews)

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4.94

Based on 7,440 reviews, last reviewed 16th Jan 2026

25200% increase 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

Zopa is reliable, helpful and excellent rates Zopa is reliable, helpful and excellent rates Reviewed on: 16th January 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 (7440)

Review of the Zopa, Smart Saver:

Does exactly what it says it will

Does exactly what it says it will Reviewed on: 16th April 2025

I have Access Accounts & Fixed Term Accounts.

I have Access Accounts & Fixed Term Accounts. All very market competitive. Sometimes the online portal can be a little clunky. Not sure why I now have to go online to see my Fixed Term Account details, please explain. I like the flexibility of seeing everything on my phone app. The interest rates aren't really competitive but align with most if not all other banks. As Zopa do not have high street branches surely staff numbers are fewer and therefore a more attractive interest rate could be applied to reflect this. I have also bought my kids to Zopa who now all have their own accounts. Reviewed on: 15th January 2026

Simple effective App, money transfer almost instant...

Simple effective App, money transfer almost instant and a decent saving rate. Reviewed on: 15th January 2026

Graysguide

Just very good and with comission free spending overseas,very easy to call and sort anything out Reviewed on: 15th January 2026

Zopa is very good app to use excellent service reall...

Zopa is very good app to use excellent service really recommend Reviewed on: 15th January 2026

App easy to use

The App is so easy to use and for me the best is to do over payments lowering monthly payments Reviewed on: 15th January 2026

App is very easy to use and useful.

App is very easy to use and useful. Reviewed on: 15th January 2026

Love the smart saver especially how you can have sev...

Love the smart saver especially how you can have several saving pots and i like the interest paid daily it make me want to save more. Reviewed on: 15th January 2026

Excellent banking.

Easy to use intuitive app. Very helpful customer care staff if ever needed. Reviewed on: 15th January 2026

Happy would and have reckoned to anyone

Happy would and have reckoned to anyone Reviewed on: 15th January 2026

Always quick and easy and great rates

Always quick and easy and great rates Reviewed on: 15th January 2026

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