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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 use

Great interest rate as compared to other banks. That’s the winning factor alone! Reviewed on: 11th January 2023

Hidden Gem

I don’t think many people know about Zopa and their Smart Saver but it’s an absolute gem. The simplicity, speed, ease of using notice period based buckets and rapid response to increasing rates has been a revelation. Mainstream banks and building societies should take note of how to put a competitive financial product and mobile app together. Reviewed on: 11th January 2023

Great rates and really simple to use

The saver rates are some of the very best around, and deposits and withdrawals appear to be instantaneous. About all you can ask for. Really simple to use app, and a great experience. Reviewed on: 11th January 2023

Highly recommend

Great savings account. Amazing customer service and so easy to navigate. I would definitely recommend this. Reviewed on: 11th January 2023

High satisfaction

Great savings rates, easy to use app, very satisfied with my experience overall Reviewed on: 11th January 2023

Easy to set up

Easy to set up Zopa also keep you informed of any increase to interest rate . Good variety of accounts to choose from Reviewed on: 11th January 2023

Good saver

Good interest rate for an instant access saver, quick and simple to open an account Reviewed on: 11th January 2023

Easy to use and great savings rate

I found Zopa's smart saver to be both flexible and competitive on their Interest rate - a great combination! Reviewed on: 11th January 2023

Great interest rates and easy to use

Amazing little savings account with great rates, comparable to isa only easier to access Reviewed on: 11th January 2023

Simple Straightforward Saving

A simple process to set up savings online. Understandable instructions in plain English. Top interest rates. Reviewed on: 11th January 2023

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