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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)

Good way to save

This Zopa account allows you to save in tiers depending on how long you want the money to be tied up. You can move it between these tiers easily and withdrawals are fast. Recommended Reviewed on: 24th January 2023

Works ok

Cool way for me to save some for a rainy day. Reviewed on: 23rd January 2023

Great easy-to-use app

It was a breeze to set up a savings account. The app is clear and easy to use, making account management pleasant and straightforward. Reviewed on: 23rd January 2023

Brilliant interest relate, easy to use.

Super easy to set up, easy to use. Reviewed on: 23rd January 2023

Best competitive rates of interest on savings.

I first used Zopa for a loan as it was the lowest APR rate of Interest. Since repaying my loan back I have exchanged most of my money to their Saving account because of their excellent competitive rates, better than most bank rates for savings. The online service is so easy to use, even for an older customer! Easy access to my money and easy to use bank transfers.. Definitely would recommend them as an excellent service. Reviewed on: 23rd January 2023

Person-centred saving

I have shopped around for a while looking around for an account which had competitive interest rates, and were flexible with withdrawals, I initially looked to the big name banks and building societies such as Barclays, HSBC and Nationwide, however I could never find an option that worked for me and my savings goals of buying my first car, all of which had details in the fine print which made it impractical for me (such as no withdrawals without penalty, a limit of the amount I could withdraw before the account reach maturity and more). Zopa allowed me to save with relative easy access and gave the option of boosting Interest rates for access upon 31 days or 95 days notice. This was the perfect balance between restricting access to my money away so I’m not tempted to dip into the account as and when, but also knowing that I can gain access within a month of making the request. Overall, the app has been easy to navigate and there are customer services during working hours in case I have any question. Reviewed on: 22nd January 2023

For the best

Enjoy the boost from zopa. App is easy to use. Great interest. Reviewed on: 21st January 2023

High interest and allows for boosts

A useful account with high interest and the ability to make it go higher with agreeing to give notice of withdrawal. It has an easy to use phone app as well, with smooth access from designated accounts. Reviewed on: 20th January 2023

Love the pots and boosting

Great to be able to separate money into different pots for different things and earn extra interest if I don’t need it for a while. Reviewed on: 20th January 2023

Good overall service offered.

We looked at many options. This one was one of the better ones. Reviewed on: 20th January 2023

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