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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)

Good Rate

Good account with a good rate of interest. Quick to open and easy to use. Reviewed on: 11th January 2023

A real savings winner!

I love the functionality of the Zopa app, which seems pretty much unmatched on the market currently. Zopa lets you create and personalise different pots of money so you can easily track your different savings goals. I was worried that the rate of interest might not match the best offers out there or the bigger names, but actually since I’ve had the account, Zopa handily sent me notifications alerting me that they had increased the rate, twice! I’m confident that Zopa has the best rate, offers comprehensive protection of my hard earned savings, and gives me a really cleverly designed app. Can’t beat it! Reviewed on: 11th January 2023

Flexible, amazing

Flexible savings account, the interest rate increases as fast as anything, better than any other savings account! Reviewed on: 11th January 2023

Refreshingly easy

Zopa’s refreshing ease of use lets me control my savings better! Reviewed on: 11th January 2023

Excellent rates over a range of notice periods

Having previously been with another app based savings provider, I switched to Zopa and was able to spread my savings over a number of different notice periods (and therefore managed to increase my average interest rate). A very happy customer. Reviewed on: 11th January 2023

Good

Simple to sign up to the savings account Reviewed on: 11th January 2023

Thanks

After starting my savings with you, I got my mum to open a savings account Reviewed on: 11th January 2023

Really high quality

Great interest rate and very user friendly. Reviewed on: 11th January 2023

They have great interest rates

They have great interest rates compared to what is currently offered with most high street banks. Reviewed on: 11th January 2023

Top Bank

Zopa give so much more than other banks. Reviewed on: 11th January 2023

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