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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

Great interest rates

Great reaction to interest rate changes Reviewed on: 11th January 2023

Quick and easy to use

Great way to save set up multiple savings pots for all your needs and a good interest rate to Reviewed on: 11th January 2023

Excellent Account and Service

I opened a savings account with Zopa because I was looking for an account that would provide a competitive interest rate but offer flexibility. Their smart saver gives me the best of both worlds as I can keep some money in an easy access account while moving some to a notice account to get slightly more interest. The account odd really easy to operate via the app and gives me everything I was looking for. Reviewed on: 11th January 2023

Super Easy Super Saver

Simple to set up, easy to understand. Pretty good interest rate for easy access savings account especially when you can plan ahead. Zopa were very quick to raise their rates after the BoE raised theirs. Reviewed on: 11th January 2023

Super zopa

Zopa is amazing. So so easy to use Reviewed on: 11th January 2023

Easy to use and fun app!

The smart saver makes saving easy and helps you think about longer term savings Reviewed on: 11th January 2023

Great savings, great service, great bank!

Love Zopa - having been a customer from 2017 I couldn’t recommend them or their products enough. Excited to see what they do next! Reviewed on: 11th January 2023

Great rates!

Easy to set up, easy to use, great features and love that it’s all based on the app Reviewed on: 11th January 2023

My Zopa

Just started using the Zopa app and Smart saver. Seems easy and offers some good interest rates Reviewed on: 11th January 2023

Top Savings Provider

Great App. So easy to set up and use. Choice of saving options made easy. A welcome change from others. I have a number of savings accounts elsewhere and this stands out. Highly recommended. Reviewed on: 11th January 2023

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