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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 set up and good rates!

Recommended via Martin Lewis so I trust it. Easy set up, apply and start saving, and much better rates than I was getting from my bank. Reviewed on: 12th January 2023

Simple. Value. Great

Easy to use, efficient, good savings interest. Love the boosting pots where you get better return for giving notice Reviewed on: 12th January 2023

No fuss, instant access account, easy to manage

The account is easy to set up and manage via the app. Transferring money is easy. Interest rate is one of the better rates. Reviewed on: 12th January 2023

Easy!

Great saving rates from Zopa and easy to use app Reviewed on: 12th January 2023

Internet only savings account

Very easy to navigate the APP Always keeping customers informed of recent changes although very impersonal it feels like the customer matters Reviewed on: 12th January 2023

Unique and competitive savings product

The pot flexibility is great, easy access and notice combines to empower my savings Reviewed on: 12th January 2023

Great rates!

Easy to use App and great rates on savings. Easy access accounts along with higher rate "notice" accounts. Reviewed on: 12th January 2023

Perfect

Best interest rates. Lots of options for fixing. App is very easy to use and customer service professional, polite and helpful. Reviewed on: 12th January 2023

No complaints

I love the boost option and easy of use of my savings account. It makes it easy to start your journey into saving and encourages you to try and save more. Reviewed on: 12th January 2023

Simple to use product that reacts quickly to rate rises

I discovered Zopa in 2022 and have already recommended it to several friends. It us very simple and quick to set up and the app is a doddle to use. I love the ability to split the balance into pots and apply different notice periods (and interest rates) to each pot. I haven't needed to withdraw yet, but I can see how to give notice, so expect this to be straight forward too. I have been really impressed by how quickly interest rate rises have been passed on to customers over the past few months. Bravo Zopa, keep it up! Reviewed on: 12th January 2023

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