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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)

Flexible Savings

I love the savings account, I can split it into different pots for different things. I can even turn some pots into 7, 31 or 92 day accounts for a boost to my savings. Plus it’s so easy to move money around. Reviewed on: 11th January 2023

Love Zopa

Started using Zopa when I sold my house and had money that I wanted to invest but be able to take out quickly if needed, the app is really easy to use, never any problems adding to my money. Would recommend to all my friends and family Reviewed on: 11th January 2023

Already recommended to a friend

Such a smooth set up and innovative products.... Reviewed on: 11th January 2023

Super easy to use

Easy to set up, quick, simple. Nice app. Great savings! Reviewed on: 11th January 2023

great customer service, easy to use and a smart way to save.

I would highly recommend Zopa to anyone looking for a reliable savings account to get the most from their money. It was incredibly easy to set up and being able to save in different pots gives you ultimate flexibility to reach your savings goals! Reviewed on: 11th January 2023

Easy to use

Very easy to sign up and easy to deposit money into the account. Also give you a great way to keep an eye on your credit file. This is perfect for me and my partner Reviewed on: 11th January 2023

Easy access with no strings attached

Currently 2.86% APR. Move money in and out as many times as you like without penalties Reviewed on: 11th January 2023

Flexibility... and fun

I took the smart saver out after repeated great experiences with Zopa, when I had a lump sum and wanted to be able to manage and add to it. The different levels of interest and notice periods, all within one account, are something I've never encountered in other accounts, and are SO practical and easy to use. My one account is currently running 4 separate pots, and I may add more as I save for different things. Reviewed on: 11th January 2023

Easy to use savings

I've recently joined Zopa and am surprised at how easy it is to move my money around various pots, enabling me to earn extra interest at the touch of a few keys. Reviewed on: 11th January 2023

Great app, great rates!

Love the app and how eady it is to create different smart saver pots with different interest rates and move money between them. Reviewed on: 11th January 2023

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