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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)

Zopa is really good

I've been using Zopa for a few months now. I really like the app and the account features. I also like that they've consistently put the interest rates up with the base rate. Reviewed on: 11th January 2023

competitive & user friendly

Zopa's savings product offers a user friendly service with competitive rates. Reviewed on: 11th January 2023

Excellent product

Simple and convenient product to use. Great interest rates. Reviewed on: 11th January 2023

Good interest savings

Good rate of interest, quick to raise rates when Bank of England raise it, very flexible on short and long term savings. Reviewed on: 11th January 2023

Fantastic service

Great service,good information.Easy to communicate with zopa. Reviewed on: 11th January 2023

The best rates!

Zopa always offer the best interest rates and the app is really easy to use! Reviewed on: 11th January 2023

Ideal savings account

The smart saver allows you to break down your savings in to “pots” where you can select your accessibility which in turn changes your interest. The app is really easy to use and you can make faster payments in to your account. I’ve always rated Zopa since having a personal loan with them and I’m happy to try and recommend other products as I trust them and like their service Reviewed on: 11th January 2023

Very streamlined

Very easy and user-friendly. Great options and flexibility on interest rates vs ease of access Reviewed on: 11th January 2023

User friendly interface and app

The app is very easy to use and everything works fluidly. Good to look at and all the info I need are readily available or easy to find. Cannot recommend enough. Not to mention the competitive interest rates. Reviewed on: 11th January 2023

Great interest and quick & easy!

It was such an easy process to get the app and put my money across. The interest I receive is brilliant. Reviewed on: 11th January 2023

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