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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

Amazing

User friendly, top saving easy access account! Reviewed on: 20th February 2023

A pleasure to use

I was originally drawn to Zopa for the high interest rates, but stayed for the service. The app is so easy to use, you can instantly move money between pots of different notice periods and name each pot for different savings goals. Bank to savings transfers take minutes, and the communication from Zopa is excellent. Reviewed on: 20th February 2023

Makes Saving Easier

It has one of the best interest rates for easy access accounts and I love that I can choose to boost that with as little as 7 days notice. Also monthly interest is brilliant, being able to see money grow rather than having to wait a whole year. Its a great looking app and easy to use. Gave it 4 stars as have only been using it for a couple of months. Reviewed on: 20th February 2023

Makes saving rewarding & easy!

Zopa is easy to use and allows you to see your savings all in one space, which is very rewarding. The option to “boost” certain pots allows you to get the most out of your savings, without having to lock everything away at once. Reviewed on: 20th February 2023

Soooo easy to move money

Really love the app and that you can easily rename your various savings accounts (with emojis!) Also that there are so many options for locking away money for higher interest rates. Excellent user interface and everything is very simply explained. Reviewed on: 20th February 2023

Great savings idears

I downloaded the app and filled out a few questions and my account was open, I've also opened accounts to save for holidays later in the year with a slightly high interest rate. Great app very happy and have already recommended to friends and family.. Reviewed on: 20th February 2023

Smart Saver

Really useful to have a single supplier which let's you easily create different savings pots a lock your money away for various Fixed terms. Reviewed on: 20th February 2023

Amazing app

Zopa has been a brilliant app to use and I love the concepts of the various pots and incentives to lock away funds which has been a catalyst in being able to budget and save quite effectively. It's very user friendly and page layouts work very well for flow of information. Reviewed on: 20th February 2023

Easy to use, great rates

Best online savings account I’ve used. Has really competitive rates. Also very easy to track and interact with through the app Reviewed on: 20th February 2023

User friendly

I was a bit unsure about using an app only savings account but did some research and read great reviews. The whole experience from setting up the account to transferring money and understanding how to use it has been so easy. It’s very clear how much interest you get for different types of pots and so easy to manage your savings pots. I have recommended to lots of my friends. Reviewed on: 20th February 2023

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