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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)

This is how banking should be ...

Zopa's Smart Saver ticks all the boxes: competitive interest rate, innovative product (Boosted Pots) and very simple account opening process. The app is easy to use with clear layouts and menus. Very impressed. Reviewed on: 16th January 2023

Simple to use

It's easy to move money between different pots and move it back to your own account normally within 20 minutes not Is waiting 2 days like other saving providers. Reviewed on: 16th January 2023

The One

Easy to open,save,borrow & deal Everything you want in one place Reviewed on: 15th January 2023

Excellent savings platform

Zopa is easy to use, gives one of, if not the best, rate of interest. Any money movements are acknowledged within minutes of the transaction. Reviewed on: 15th January 2023

Pleased with App and rates

The App is easy to navigate and the rates very competitive… Reviewed on: 15th January 2023

Easy to set up

Easy to set up. Competitive interest rates. Reviewed on: 15th January 2023

Great saves

Fantastic way to save without much thought Reviewed on: 15th January 2023

Competitive interest rates

Regularly offering leading interest rates on the easy access saver. I had a bit of a panic depositing cash from a non-nominated account but was glad to receive this back. I have added several nominated accounts to avoid this mishap now - People should know about this as it's a good feature. It would be great if withdrawals could be instant. I'd recommend because I know how to use it. But maybe you want to have some video tutorials? Reviewed on: 15th January 2023

Ease of use

As I was looking to move some savings, Zopa popped up, giving them a chance as there rates where sensible and transparent, the online account was the easiest I’ve ever set up, while still affording the relevant security, and the app is the most straight forward I’ve ever used. Reviewed on: 15th January 2023

Great way to budget and save

I love how you can choose your pots and it builds up over time. It's convenient, and you can organise your savings for ease. The interest rates are really good and the whole app just helps me so much with my saving and budgeting. Reviewed on: 15th January 2023

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