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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

Easy to manage and good rates

Very easy to set up and manage via the app. Interest rates are good at keeping pace with changing BoE base rates. I'm happy to keep my short-term saving in Zopa. Reviewed on: 12th January 2023

Excellent saving app

A great saving app. Competative rates, easy to use, innovative boost system. I've already recommended this to many of my friends and family. Reviewed on: 12th January 2023

Easy saving with great app

Love this savings app on my phone. The choice of saving rates is simple and competitive. Works seamlessly and quickly with my banking app. Reviewed on: 12th January 2023

Easy!

Easy to open, easy to set up, easy to manage, very clear details about each savings option in simple language! Wow! Reviewed on: 12th January 2023

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

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