Write a review

Newsletter

Go to business site

Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8149 reviews)

View other Zopa products

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

Read all reviews See your review

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

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

Simple and great to use

I have move most of my retirement savings to Zopa. The app is so easy to use and to move money around. All communication is timely and uses language which is easy to understand. However, I have been most impressed by the increase in interest rates as soon as the Bank of England changes rates. The rates are more than competitive and I feel confident in having Zopa look after my money. Reviewed on: 11th January 2023

saving for future

Great and easy to open also you can choose what saving interest you get for locking money away for 90 days Reviewed on: 11th January 2023

Great!

Very simple to open and a great internet rate. Love the boosted rates too! Reviewed on: 11th January 2023

Really good account

Happy with my savings account very easy to transfer money in & interest paid regularly. Would recommend it Reviewed on: 11th January 2023

Best ever

Best app ever. Easy to use. Good rates of interest Reviewed on: 11th January 2023

Best Banking Experience Ever

The whole experience of setting up the app and transferring money into the savings account was seamless and easy. Have been delighted with the way that Zopa have increased the savings interest rate quickly in line with BOE rates which means I’m getting one of the best rates available ( unlike my main bank who have so far not passed on any of the increases) The Smart Saver account allows me to have different “pots” of money with different access times and the app makes it easy to transfer funds in and out of each pot and move money around. I wish my main bank ( one of the big 4) was as good as this ! Reviewed on: 11th January 2023

Super simple savings account with great interest rates.

Fabulous app-centric savings account. Easy to use. Good rates and lots of flexibility to boost lots by locking money away for longer notice periods. It just works and gives some of the best interest rates around on savings. Reviewed on: 11th January 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Savings
from National Counties Building Society 4.20 from 8 reviews
Promise Saver
from Principality Building Society 4.21 from 4 reviews
Savings and investments platform
from Meteor 0.00 from 0 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Credit card
from Zopa 4.87 from 44348 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub