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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8144 reviews)

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4.93

Based on 8,144 reviews, last reviewed 18th Apr 2026

112% 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 to use app with automated payments from current... Easy to use app with automated payments from current account into smart saving and regular saver pots. Getting salary paid into the current account un... Read more Reviewed on: 18th 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 (8144)

Competitive rates, flexible and soooo easy... a revelation in saving money!

I LOVE, LOVE, LOVE Zopa! Savings all done through an easy-to-navigate app that links to your bank account. You can set up separate pots within one account, with different options from instant access to 90 days' notice for each pot, all with competitive rates of interest and easy to transfer money into and between pots. As a recovering over-spender, living paycheck to paycheck, I can honestly say, I've never been so excited and motivated to save money, take control of my finances and watch them grow! Totally recommend! Reviewed on: 12th January 2023

Easy to use!

The Zopa smart saver account is great! It's super simpler to setup and to make deposits into the account and withdrawals out of the account. You can also choose to have your interest paid monthly, so you can see each month how much your pot is accumulating rather than having to wait until the yearend. Reviewed on: 12th January 2023

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

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