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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)

Super-fast

This company has been excellent in every respecty. I note, especially, the speed at which interest rates rise, when appropriate. Highly recommended. Reviewed on: 12th January 2023

Great rates!

Zopa have been doing a brilliant job with their saver rates. They seem to pass on the rate increases to their clients fairly and quickly. Reviewed on: 12th January 2023

100% spot on

So easy to add money and move from account to account no hassle all on line. Great service and great rates would highly recommend. Reviewed on: 12th January 2023

Top savings accounts

I have found that since the change in bank rates Zopa usually increase the savings rate promptly other banks / BS do not The website / App is also easy to understand and use Reviewed on: 12th January 2023

Perfect

Simple, informative and easy to use. Reviewed on: 12th January 2023

Easy setup/admin, great rates

It's simple to setup an account, and just as easy to transfer money, manage pots etc. Clear well designed application with eat access to the information I need. Only improvement needed is transfers in/out take a while compared to others and my other bank can't validate the zopa account. Not a deal breaker, would have given 4.9 stars if I could Reviewed on: 12th January 2023

Fantastic!

Very easy to set up and use, good interest rates, love the app Reviewed on: 12th January 2023

So easy to set up and use.

Zopa is a fantastic service for smart saver’s and is so easy to use and it gives you straight forward options to increase the interest rate on your savings. The app is so easy to use and you can print your statements at anytime, also secure with the assurance of full fsa protection. Reviewed on: 12th January 2023

Personalised Pots

I love the personalised pots. Competitive interest rates with four choices - anytime access or a choice of three fixed rates and all not for too long. Suits me perfectly. Reviewed on: 12th January 2023

High interest accounts.

Really good concept for savings. I am transferring a modest amount across each week into a "pot" something I am saving up for long term. It's a notice account, but it has an unbeatable interest rate. The instant access "pots" also attract a really good rate of interest too. I recently discovered I could set up an automated transfer which has made things even easier. This is a fantastic little app and I would highly recommend. Reviewed on: 12th January 2023

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