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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.

Awards

Best banking app 2026

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

Zopa Smart Saver reviews (8149)

Review of the Zopa, Smart Saver:

Flexible, high interest, easy to use banking app

Perfect for all your savings goals Reviewed on: 6th April 2023

flexible and easy to use

I like the Smart Saver account because it is flexible and I can put money away for different lengths of time easily all in one account. the interest rates are good too. Reviewed on: 11th January 2023

Good for savings for certain goals without dipping in

I am saving for a sabbatical, this savings account allows me to do this without spending the money without giving a 31 day period notice. Which had allowed me to reach my saving goal without spending any of the money. Reviewed on: 11th January 2023

A bank that gives interest finally

So easy to open and account, save or spend if you need a bit. Excellent rates of interest. Safe and straightforward. Highly recommend Reviewed on: 11th January 2023

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

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