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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 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

Excellent service

So easy to use and great rates wouldn't go anywhere else Reviewed on: 11th January 2023

Easy, clear and good rates

The account was easy to set up. The app is easy to use and clear and Zopa offers good rates. Reviewed on: 11th January 2023

Excellent Options

This savings account was easy to open, with all the required checks being carried out on line. The options to hold several pots to maximise interest on your savings are excellent and the service so far has been exemplary. Reviewed on: 11th January 2023

Encourages saving

Really encourages saving especially with the access pots. Very easy to top up and see how your savings are progressing. Reviewed on: 11th January 2023

Easy as 1 2 3

It is really easy using the app to open an account and manage your savings. Plus you get good interest rates. Reviewed on: 11th January 2023

Great banking

Great banking, quick and easy to use app. I can instantly see within minutes when transferring funds. Customer service is excellent. Reviewed on: 11th January 2023

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