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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8146 reviews)

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4.93

Based on 8,146 reviews, last reviewed 7th May 2026

100% 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:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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.

Zopa Smart Saver reviews (8146)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 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

Zopa look after you

Zopa is really easy to use and I'm impressed they increase their interest rates automatically, when the market changes. Reviewed on: 13th January 2023

Easy to use

Easy to download and use phone app, paying a very good interest rate on savings. Interest rate rises are very quickly and automatically applied to the accounts. Reviewed on: 13th January 2023

very usable

straightforward and easy to use. easy to withdraw if necessary Reviewed on: 13th January 2023

An amazing savings app for getting used to managing money

I’ve recently started living more independently and am getting used to managing my money on my own. I did a lot of research before getting this as my first savings account and I’m really glad I did! My income at the moment is quite small and can be unreliable, so I need the option of accessing my savings for unexpected costs, however with most accounts that accessibility comes at a cost of really low interest rates. This is why Zopa Smart Saver suits me so well - I can have some of my savings in 7 day access pots at slightly lower rates, while the rest I can boost with 30 or 95 day access pots that have higher rates. And since most of my savings at this stage in my life are small and quite short-term, it really helps to have a savings account with reasonably high interest rates but which doesn’t carry the short-term risks of investment that a classic stocks and shares account would. The app is also enjoyable to use; the interface is aesthetically pleasing and user-friendly. It’s easy to navigate around the app, set up savings pots and move money between them. Withdrawing money was also simpler than I expected Overall a really great app! Reviewed on: 13th January 2023

Excellence Simplicity Value

The account was very easy to set up and the app is very intuitive to use. The interest rates on offer are very competent and the facility to move funds into different ‘boost pots’ is very innovative. Reviewed on: 13th January 2023

Excellent & flexible savings with competative intrest

Really like thier flexible savings pots, keeps your cash safe & as accessible as you chose, with competative intrest Reviewed on: 13th January 2023

Super flexible and chasing the interest rates

Easy to set up and then use the smart boosting options, where you can regularly increase your interest according to your required notice period. More importantly, raises the interest rate promptly after the BoE does so that you don’t need to look elsewhere for a better deal. Reviewed on: 13th January 2023

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