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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.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Smart Saver reviews (8149)

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

Excellent

Excellent service from zopa and the savings pot Reviewed on: 11th January 2023

Versatility personified

Zopa offer a savings product the like of which I have not seen in 50 years in finance. The ability to have tranches of money at different notice periods and interest rates has brought simplified innovation to the masses. Great product that I have recommended to family, friends and colleagues. Reviewed on: 11th January 2023

Digital and easy

Zopa is a modern and easy to use bank due to their digital presence and leading products Reviewed on: 11th January 2023

Top notch

Good interest rates and very easy to use. Reviewed on: 11th January 2023

You have total control.

The app is straightforward, the rates are generous, and, best of all, you have a number of options within the same account. This is the best savings account I've had in a long time. Reviewed on: 11th January 2023

Well rewarded, flexible savings!

Zopa's smart saver account allows for immediate and delayed levels of access all in one account. And the 'boosted' levels, with increasing notice periods, offer higher levels of interest. This is superb flexibility, and all managed online in a few clicks, allowing easy management of savings and access according to each person's particular circumstances. The best and most easily managed savings account I have. Zopa is also proactive and prompt in raising interest rates in response to recent base rate changes. Reviewed on: 11th January 2023

Willing to help

Always there to advise and share other products that might suite you Reviewed on: 11th January 2023

Hassle free

Easy and convenient saving account. Reviewed on: 11th January 2023

Great saving Product

This Savings product is very good. You can have numerous pots & can enhance interest for various periods . Very easy to use app Reviewed on: 11th January 2023

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