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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8145 reviews)

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4.93

Based on 8,145 reviews, last reviewed 20th Apr 2026

101% 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

Zopa all the way! Zopa has competitive interest rates and the platform is really easy to use. Reviewed on: 20th 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 (8145)

So Easy!

Amazing communication, constantly kept up to date with savings rates yet not spammed with lots of messages. Easy to open, withdraw and add money. The app is very easy to use and visually clear Reviewed on: 11th January 2023

Simple and just works

Great UI and great interest rate on savings. Reviewed on: 11th January 2023

Straightforward Savings

Impressed with savings rate going up after I opened my account, interest added monthly Reviewed on: 11th January 2023

Excellent savings account

Great rates, great access. Easy to set up account. Up to 85k protected by FSA Reviewed on: 11th January 2023

Technophobe friendly

Good rates, clear descriptions, great contact if any queries and even a technophobe like me can do an app based savings account! Reviewed on: 11th January 2023

Good interest rate

Simple easy to use app. The basic saving account has market leading interest rate. I like the ability to create multiple pots and that you can get even better interest with two notice account options ( 30 and 95 days). Reviewed on: 11th January 2023

Great savings rate

It was easy to set up and manage my savings account through the app. The interest rates are very competitive and I like how easy it is to set up different pots for different goals. Reviewed on: 11th January 2023

How banking should be!

After banking traditionally for almost 40yrs, I found Zopa. Simple to open accounts and so so easy to move and transfer money. Not only that, best rates of interest! I’d never go bank to high street banks after my experience with Zopa. Reviewed on: 11th January 2023

I like seeing my interest each month

I have already recommended to friends and family, I look forward each month seeing my interest added on, and being compounded. Reviewed on: 11th January 2023

Customer oriented bank

Have been a customer of Zopa for many years going back to when they offered a “peer to peer” service in which I used the service to both finance car purchase and as an investment product. Reviewed on: 11th January 2023

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