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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)

Excellent

Excellent - very easy to set up and use. Reviewed on: 12th January 2023

Innovative new platform for max flexibility

I love that I can have different pots of savings committed for different lengths of time, and that the long I commit for, the better rate I get. The app is super easy too. Reviewed on: 12th January 2023

Easy no fuss account

Set up the app quickly and with no issues. I bae been able to move money between different levels of savings and benefit from excellent interest rates. Reviewed on: 12th January 2023

Right on the ball.

Always update interest rate increases without delay. Very happy. Reviewed on: 12th January 2023

Easy to manage and good rates

Very easy to set up and manage via the app. Interest rates are good at keeping pace with changing BoE base rates. I'm happy to keep my short-term saving in Zopa. Reviewed on: 12th January 2023

Excellent saving app

A great saving app. Competative rates, easy to use, innovative boost system. I've already recommended this to many of my friends and family. Reviewed on: 12th January 2023

Easy saving with great app

Love this savings app on my phone. The choice of saving rates is simple and competitive. Works seamlessly and quickly with my banking app. Reviewed on: 12th January 2023

Easy!

Easy to open, easy to set up, easy to manage, very clear details about each savings option in simple language! Wow! Reviewed on: 12th January 2023

Competitive rates, flexible and soooo easy... a revelation in saving money!

I LOVE, LOVE, LOVE Zopa! Savings all done through an easy-to-navigate app that links to your bank account. You can set up separate pots within one account, with different options from instant access to 90 days' notice for each pot, all with competitive rates of interest and easy to transfer money into and between pots. As a recovering over-spender, living paycheck to paycheck, I can honestly say, I've never been so excited and motivated to save money, take control of my finances and watch them grow! Totally recommend! Reviewed on: 12th January 2023

Easy to use!

The Zopa smart saver account is great! It's super simpler to setup and to make deposits into the account and withdrawals out of the account. You can also choose to have your interest paid monthly, so you can see each month how much your pot is accumulating rather than having to wait until the yearend. Reviewed on: 12th January 2023

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