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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)

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

Good rates

Flexible interest rates, good communication, easy to use app, better interest rates than the high street banks are offering. Reviewed on: 12th January 2023

Best easy access savings provider

Easy to use app, money is transferred to linked account usually within the hour,Savings rates are updated automatically to you money pots. Reviewed on: 12th January 2023

Easy to set up and maintain

Extremely easy to set up and add money to savings, interest rates are great, 10/10 Reviewed on: 12th January 2023

Excellent

So glad I found Zopa, fantastic product and service. Very happy. Reviewed on: 12th January 2023

A consistently great savings product

It's easy to use, seems to aim at being consistently competitive, and has a Fast Cash withdrawal facility. Reviewed on: 12th January 2023

Absolutely brilliant

Got interest within a couple of weeks Reviewed on: 12th January 2023

Excellent interest rates

Very easy to open accounts and to move money Reviewed on: 12th January 2023

Super easy but awesome

Everything about Zopa has been so easy. Very simple to set up initially and so straightforward for all other transactions. Love that I have separate pots for saving towards specific things. Reviewed on: 12th January 2023

Mostly great

Overall very good, transfers in and out are easy and usually arrive within a couple of hours. Good interest rates on savings and a lot of flexibility on the Notice savings accounts. Only irritation is the inability to transfer directly to/from an external savings account as you need a statement to prove the account belongs to you (which don't exist on some savings accounts). Otherwise 5*. Reviewed on: 12th January 2023

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