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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.

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Zopa Smart Saver reviews (8149)

Bloomin brilliant

The flexibility and control this allows me to have over my savings is excellent Reviewed on: 20th February 2023

Cannot beat for interest rates

Best bank for savings without a doubt, so easy to set up and manage your money Reviewed on: 20th February 2023

Best interest rates on easy to use app

From the moment I decided to join zopa saving has been made simple. Downloading and setting up the app was quick and easy with boosted pots and linked to my other bank accounts to quickly transfer money in and out. The interest rates have consistently been better than the competition, so I’d recommend to friends and family. Reviewed on: 20th February 2023

Easy to understand savings

Zopa make saving easy thanks to the simple smart saver options. Easy access or notice period, clear interest rate and rapidly following the market with interest increases. Reviewed on: 20th February 2023

Smart - ability to split savings

I think ZOPA is great, I like the fact you can separate out savings into individual “buckets” and even lock some of them down for extra interest. Very easy to use app and definitely helps me save Reviewed on: 20th February 2023

Great rates

Didn’t want to put my savings in a 1 year fixed account as I was looking to buy a house in the meantime. The 90 day locked in account was great as it gave me better rates than most other accounts and I just gave notice as soon as I knew I would need the money. Reviewed on: 20th February 2023

Great service

Super quick and easy to use, UI is simple and to the point. Would recommend to anyone looking to save up some cash :) Reviewed on: 20th February 2023

Easy way to save

Need to save some money for my holiday. Its so easy after opening a protected pot and adding to it each week. Great easy to use app with fast log in to check balances. Reviewed on: 20th February 2023

Fast to respond easy to use

Love how the interest rates increase and the option to access better rates as needed along with easy access Reviewed on: 20th February 2023

Zopa is a brilliant app

I really enjoy using Zopa, its very easy to remove money when needed Reviewed on: 20th February 2023

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