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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 interest rate

Easy to access in the app, I like that my credit card is in with my savings so I can look at both on the app. Each month I look forward to seeing the amount of interest i earn. The customer service in the chat is really good too. I can’t fault Zopa with anything although I was a little weary opening an online only banking app Reviewed on: 13th January 2023

Good Savings Account

Zopa keep you updated and increase interest rates promptly when they can. Reviewed on: 13th January 2023

No customer service

I have been on chat for 29 hours now and no-on has answered my simple query, without which I cannot deposit money into the account. I have had a few replies mainly apologies for delay and one completely incorrect response. I emailed 3 days ago and had no response. Reviewed on: 13th January 2023

Great rates, great app

Setting up the account was very straight forward with Zopa easy to use app. The interest rates are very competitive and it's very simple to move money from one level to another Reviewed on: 13th January 2023

Great savings

Found Zopa a very efficient savings app to use for my savings, love the different savings pots and find it very easy to use. Reviewed on: 13th January 2023

Clear direction

Helpful & prompt with any queries I asked Reviewed on: 13th January 2023

Excellent savings platform

Easy to use and competitive interest rates Reviewed on: 13th January 2023

Amazing interest rates and easy app

Zopa always have some of the best interest rates that are quickly applied, the communication regarding this is always quick and easy to understand and their app is one of the easiest to use Reviewed on: 13th January 2023

Easy to use and great interest rates.

I found Zopa very easy to set up and use. The Smart saver works well for me and the rates for the various pots are excellent. It is easy to move money between pots maximising the amount of interest you can earn. Highly recommend. Reviewed on: 13th January 2023

Quick and easy app to access and use.

I like the idea of having different savings pots with variable interest rates that are instantly accessible. Reviewed on: 13th January 2023

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