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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

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4.82

Based on 8,149 reviews, last reviewed 17th Jun 2026

89% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent accounts, interest and app. This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save ... Read more Reviewed on: 17th June 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 (8149)

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

Simple and Fast

My bank offered less than 1% for its easy access saver account. Zopa offered a far superior rate for instant access. Simples Reviewed on: 13th January 2023

Easy transparent

Great way of having access and saving. Great app and ease Reviewed on: 13th January 2023

Innovative and easy to use

What a brilliant and easy to use savings system. Reviewed on: 13th January 2023

Great savings products

Smart saver is a genuinely excellent product. Giving you the option of boosted pots if you're happy to have a notice options. Plus interest rates are very competitive. Reviewed on: 13th January 2023

Competitive savings rates

Very happy with the interest rates on offer in their easy access savings account. I think the service on the app is also good. Reviewed on: 13th January 2023

Great rate; great service!

So pleased I heard about Zopa! Great rate on my savings, opportunity to boost my rate by locking some money away; very easy to use app. They are playing a big part in moving the industry into the 21st century, leaving the high street banks in their wake, in my opinion. Long May it continue! Reviewed on: 13th January 2023

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