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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)

Best easy access saving account

Easy to use the APP, very responsive adjustments to raising interest rates, generally very ‘user friendly’ Reviewed on: 11th January 2023

Great interest rates

The easiest account I have set up. The interest rates have risen regularly. Easy to move money between accounts and save in different pots depending on when access is needed. Reviewed on: 11th January 2023

Easy, high interest savings

So easy to open and use the smart saver account and I love the fact your funds can be split into pots Reviewed on: 11th January 2023

Excellent customer service

Zopa is easy to deposit and withdraw from Reviewed on: 11th January 2023

Quick, Easy and great rates

App is so easy to use, everything really easy to do Reviewed on: 11th January 2023

Easy

I love saving with Zopa. The rates, are great! I love that you can create different pots and it’s super easy to use. Reviewed on: 11th January 2023

Just what I was looking for

Zopa’s smart saver was an answer to a question. “Wouldn’t it be great if there was an easy access savings account with different pots like our bank account? That way we could save for all our bills like insurance and MOTs and oil and holidays on a monthly basis.” Enter Zopa the next day! Sooo easy to set up and the peace of mind that when I have to pay for the insurance in 9months it’ll be saved WITH interest!! Reviewed on: 11th January 2023

Great interest rates and easy to use

Opening account was easy and the interest rates excellent, the app is so easy to use and well laid out Reviewed on: 11th January 2023

Simple, No Nonsense Savings

Great products, easy to understand and quick to set up. Rates are consistently market leading. Reviewed on: 11th January 2023

1st class service

Simply app to use and 1st class service Reviewed on: 11th January 2023

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