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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

Easy to setup, easy to use and a great interest rate

A seemless experience, backed up by market leading interest rates that they keep increasing to remain at the top of the league tables. Reviewed on: 11th January 2023

Good rate of interest

Easy website and excellent rates of interest Reviewed on: 11th January 2023

Quick, Easy and High Interest Rate

Simple and effective. The app is so easy to use. Transfer savings quick and simply. Higher interest rates than other banks offer. Reviewed on: 11th January 2023

Saved loads with Zopa

Zopa actually feels like a friend telling you to save money and helping you become better with your finances. I’m glad I found Zopa. Reviewed on: 11th January 2023

Super easy and good interest rates!

I have three different savings pots, one is instant access, another is 7 days and another is 31 days. The app is really easy to use and the interest rates are pretty good, especially for instant access. Reviewed on: 11th January 2023

Simple. Safe. Satisfying.

I'm not much of a finance minded person and in my adult life interest rates have been so low they may as well have been non-existent. Zopa has given me a really simple platform to change the way I think about my savings. I collected little bits of money from various rainy day accounts and (while keeping the various amounts in separate pots) put them in one place. LOVE Zopa. Reviewed on: 11th January 2023

Great flexibility, great interest rates.

Easy to use application, flexible savings and good interest rates. Reviewed on: 11th January 2023

No nonsense savings account

I love Zopa, good interest rates which rise when base rate goes up. Easy to boost savings with 'pots' if you commit to tying up your money for 31/95 days. Communication from the company is excellent. Reviewed on: 11th January 2023

Easy to set up and great rate

Took very little time to set up the savings account and also move money across. The rate is highly competitive, and the added boost features make it easy to customise, which is a feature I've never come across before but is great. Reviewed on: 11th January 2023

Best Rates

No need to track the market, Zopa do it for you consistently offering the best rates available Reviewed on: 11th January 2023

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