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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)

Easy, high interest savings

Really quick and easy to set up account. Interest is the highest I’ve seen at the moment and the boosted pots are a really good way to earn some extra interest - amazing unique idea. Reviewed on: 11th January 2023

Zopa top of the class.

Top rates, excellent range of savings options with a top quality and easy to use app. Reviewed on: 11th January 2023

Easy and so much more interest

Really quick and straight forward to set up an account. Even the easy access pot has far more interest than a regular savings account, and being able to boost pots has two advantages - more interest (obviously) and I am not tempted to dip into them on a whim. Delighted with Zopa so far. Reviewed on: 11th January 2023

Glad they were recommended to me

Even with.ommidate access the rates are great.andbthe App easy to use Reviewed on: 11th January 2023

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

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