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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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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8149)

Great flexible product. Best on the market

Novel idea that lets you control the rate you get. Best short term rates on the market. Reviewed on: 11th January 2023

Great rates and flexible saving accounts

Great interest rates, which increase automatically in reaction to market changes. The Smart Saver allows me to choose “pots” with a higher interest rate for longer notice. Even highest rate is not too long a notice that you can’t manage. You can, as we do have most in the longer notice, highest rate with enough in the instant access slightly lower rate. Easy to access via the on line app. Great products Reviewed on: 11th January 2023

Always competative

Rates of return are great and the app is simple to use. Reviewed on: 11th January 2023

Great rates, easy to use

I signed up with Zopa because they had the best rates I could find. It was extremely easy to get started and I was able to start saving straight away. Their app was easy to use. Highly recommended Reviewed on: 11th January 2023

Easy to setup and understand

Great product, so easy and simpler Reviewed on: 11th January 2023

Great savings accounts!!

So glad I found Zopa! Great range of savings products- choice of different accounts with varying terms is excellent!! Reviewed on: 11th January 2023

Fabulous bank account

I can save for variable lengths of time earring more interest for longer notice given. Who does not need a Zopa? Fabulous account!! Reviewed on: 11th January 2023

Brilliant savings account

I was looking for a new savings account to transfer funds to from premium bonds, which weren’t working out for me. I found Zopa through Money Saving Expert’s website and loved the idea of being able to transfer savings into different pots to suit current and future needs. The process of opening the account was super easy. When I needed help their FAQs answered my question very easily and quickly. They have good interest rates and I like how easy the app is to use. Will definitely recommend. Reviewed on: 11th January 2023

Customer-centric

Really impressed - app is easy to use, feels intuitive & secure. Savings rates passed on quickly & easy to move money in & out, anytime of the day or night. Reviewed on: 11th January 2023

Easy to use

Super easy to use and gives helpful prompts on improving credit rating Reviewed on: 11th January 2023

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