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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8052 reviews)

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4.93

Based on 8,052 reviews, last reviewed 3rd Apr 2026

82100% 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:

4

Great variety of products, easy to move things aroun... Great variety of products, easy to move things around in the app. The choice of products and services is great in one place. Reviewed on: 3rd 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.

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Zopa Smart Saver reviews (8052)

What a wonderful idea!

I started Zopa after being recommended it by family. My trouble was seeing my savings sitting in my normal banking app and transferring the odd amount back to my spending, as I knew it was there, and I’d just pay it back next payday. However, with Zopa, it’s not connected to my bank accounts, so once my savings are transferred, it’s out of sight and out of mind. It is so exciting being able to save each month, plus earning interest. The other products up for offer are also great, and when needed, I’ll be sure to use Zopa. 5 stars! Reviewed on: 20th February 2023

An easy way to save money

I was getting next to no interest for my current account and wanted to save money for a holiday. Zopa's smart saver account has enabled me to do that easily and with a good interest rate. Reviewed on: 20th February 2023

Easy to use

Very easy to use and great app. Interest rates haven't been updated recently however. Reviewed on: 20th February 2023

Great rates, easy-to-use app

A very easy to use app which gives access to 'boosted pots' (notice accounts which range from 7 up to 95 days notice) at higher interest rates. An excellent alternative to fixed term deposits, with very competitive rates, which have quickly reflected increases in Bank of England rates. Reviewed on: 20th February 2023

Easy and reliable

Great app and emails to view, manage and easily access savings. Reviewed on: 20th February 2023

Decent rates

Great account with options to increase interest yield by fixing your savings terms for 31 days and 95 days. Reviewed on: 20th February 2023

Easy app only savings

Very straight forward to open and manage the savings account. I like that you can have separate pots and boost the savings on the separate pots. So easy to transfer money in and out and manage the account. Reviewed on: 20th February 2023

Fantastic

So easy to use. Great rates of interest. Great customer service. Love Zopa Reviewed on: 20th February 2023

Amazing

Best I have used and would highly recommend this to everyone Reviewed on: 20th February 2023

Simplicity for Saving

Very fast to set up - elegant simple app. Brilliant interest rate. Fast banks transfers in and out. Reviewed on: 20th February 2023

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