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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)

Best overall savings product

No other organisation does savings accounts like this: one product over which you can allocate savings pots to instant access or notice access from 7 day, 31 day & more. The rates given are market leading, if not the best. Its so easy to use & switch funds to another level. Couldn't recommend it more highly. Reviewed on: 20th February 2023

Really easy to set up

Love using zopa it’s very easy to navigate and transfer between eat pot Reviewed on: 20th February 2023

Easy and simple with a great rate

I love using the app. And I can manage my savings easily with different pots with diff interest rates. Both myself and my husband use This and it’s really easy and clear how to use. Thanks L Reviewed on: 20th February 2023

Easy to transact savings

Quick and easy to setup and to transfer money in Reviewed on: 20th February 2023

A virtual piggy bank

Zopa is so easy to use! It's great knowing I have such easy access to savings when I'm out and about through the app. The money pots make budgeting straightforward. Reviewed on: 20th February 2023

so easy

I was recommended this product by a family member and found it so easy to use. The increase of interest rates have been fair in line with the base rate increase and I have recommended it as a product to two more family members! Reviewed on: 20th February 2023

Good

Very helpful app for saving. Having multiple pots works very well Reviewed on: 20th February 2023

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

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