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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8146 reviews)

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4.93

Based on 8,146 reviews, last reviewed 7th May 2026

100% 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

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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 (8146)

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 peasy bank for great monthly interest

I have been with Zopa for the last two months and I cannot recommend them enough. I get to save money by gaining monthly interest that is fair on us, the customers. I am happy I found them thanks to Money saving expert Reviewed on: 20th February 2023

Easy

Easy to use with valuable returns Reviewed on: 20th February 2023

They always pass the rate rises on!

Thank you for your efforts to put savers first and by passing in the rate rises almost immediately! Very clear customer centred products. Reviewed on: 20th February 2023

Super straightforward

Zopa is ap based which I was initially nervous about but it is really straightforward and user friendly. Plus they actually put their interest rates up! Reviewed on: 20th February 2023

Quick, Safe, Easy

Great little app, market leading interest rates. What is not to like? Reviewed on: 20th February 2023

Really good service

Very easy to set up, good interest rates Reviewed on: 20th February 2023

Easy to use and good savings rates

I set up the app swiftly and managed to transfer the savings in, and out easily. All good! Reviewed on: 20th February 2023

Great savings account

Very easy to add and withdraw money and see an up to date value/transaction history. I also like the feature of being able to organise money into pots, very helpful when saving for different things! I have some money in the smart saver and some in a notice account with a higher interest rate which works perfectly for me. I haven’t had to speak to customer service at all as everything has run very smoothly! Reviewed on: 20th February 2023

Good product

Zopa are quick at updating their rates to reflect the latest BoE interest rate increases. It also offers different tranches of saving options depending on how quick you would need to withdraw your money. Reviewed on: 20th February 2023

Great app and account

Great and slick app with great rates that are responsive to the market Reviewed on: 20th February 2023

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