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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)

Brilliant concept!

Such a good way to save, can decide how long you want to lock your savings in for and are rewarded with competitive rate of interest. The pots make it so easy to earmark funds for specific purposes. Highly recommended! Reviewed on: 11th January 2023

Great bank

Very happy with my bank account Reviewed on: 11th January 2023

Easy-to-use app

Love the idea that you can boost your savings easily without having to apply for a new account - it's flexible and easy-to-use! Would definitely recommend Zopa! Reviewed on: 11th January 2023

Well organised

Application was straight forward Reviewed on: 11th January 2023

Brilliant

Highest paying rates available for an instant access account and a breeze to manage, and pay in/out to linked account, through the app. However, the best feature is the boosted rates available for 7, 31 and 95 day notice within the app: unlike other notice accounts, you benefit from any rate rises, but not rate falls until the notice period has passed. Reviewed on: 11th January 2023

Very easy to set up and use

So far very impressed, easy, clear app and set up Reviewed on: 11th January 2023

Simple Smart and Flexible

I have savings for my kids stashed in TSB ISA's and Easy Savers earning virtually no interest. It was so easy to switch from TSB to Zopa. I downloaded the app and was able to start right away and within ten minutes the job was done. Zopa offers flexible deals with tiered interest rates pegged to accessibility. From earning pennies per year I'm now earning thousands of pounds in interest, all within ten minutes. Thank-you Zopa! Reviewed on: 11th January 2023

Smart saver

Great app, excellent customer service, good interest rates, clever products and above all, simple. The big banks should pay attention. Reviewed on: 11th January 2023

Super simple to use app and great interest rates

Zopa has a super simple to use app that comes with the functions to make as many savings pots as you want and no fees unlike some competitors. You have the ability to move savings into locked pots called boost which can range up to 90 days and give a boosted interest rate. They also offer extremely competitive interest rates which is paid monthly Reviewed on: 11th January 2023

Easy way to save

Always informed where money is and the easiest app I’ve used to keep an eye on my savings Reviewed on: 11th January 2023

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