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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.

Zopa Smart Saver reviews (8149)

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

So easy. So useful.

Excellent app. Excellent features. Able to create lots of pots with diff interest rates and access levels. Very very useful for young and old. Reviewed on: 12th January 2023

Easy to access; easy to understand; easy return.

Everything about it was easy, even for a non-technical, old codger, like me. Reviewed on: 12th January 2023

User friendly service.

Easy to use. Great interface. Secure and informative. Makes saving fun! Reviewed on: 12th January 2023

Poor customer service.

Waiting several hours on chat for response and still no response to email after 3 days, #despite reminders. Reviewed on: 12th January 2023

Very easy to use

Very user friendly app - clearly laid out. I have recommended to others. Reviewed on: 12th January 2023

Best rates with unlimited withdrawal

Best rates with unlimited withdrawals, What more can you ask for? Fast, efficient and modern app. What better way is there to save! Reviewed on: 12th January 2023

Brilliant

So easy to use and good rates too Reviewed on: 12th January 2023

Easy to setup, convenient, secure.

Being of a certain age, I was a little sceptical about an an app savings account but am very happy I went ahead now. Reviewed on: 12th January 2023

Fantastic

I decided to look for a savings account that would pay more interest than my bank (0.05%). I looked on the Martin Lewis site & after looking at a couple of banks I decided Zopa suited me best. I am able to save towards specific things by transferring money from my main ‘pot’ into an unlimited number of different pots, either with a 31 day notice or more. I keep some money in my main pot for emergencies & the rest I split between my other pots. I set up a standing order to transfer money to my Zopa account & also transfer money when I have some spare. I have found this very easy to build up savings for different things. What I also like is that Zopa let me know when money has went into my account plus when the interest changes, my account interest changes too. It really couldn’t be easier!! Reviewed on: 12th January 2023

Top of the heap

Unlike the others Zopa responds quickly to changes in interest rates. Their rates are very transparent. The app is reliable and simple to use. Reviewed on: 12th January 2023

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