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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)

Great Bank & Great App

This is a great bank, with a great app. I like the pop ups telling you when funds arrive and lots of account options depending on access requirements. They also offer the best rates. Reviewed on: 11th January 2023

Excellent app and ease of use.

Simple to set up the account and exchange and transfer funds with ease. A great interest rate to boot! Reviewed on: 11th January 2023

Easy to set up, easy to use, pays a good return!!

I deposited a fairly decent size of cash and tied it in for just over three months to gain the best return. All very easy, much easier than the more traditional options. Reviewed on: 11th January 2023

Zopa is Fantastic

Have been using Zopa over the last few months. So far it has been fantastic. Very easy to set up. The app is fantastic with a great user experience. Very easy to transfer money in and keep record of savings. The best bit is Zopa is quick to increase their rates with increases in the BOE rises. Overall very happy with Zopa and would definitely recommend to friends and family Reviewed on: 11th January 2023

So easy and quick to use

Moved our money in to the Smart Saver to get a better interest rate, but was extremely pleased at how easy the Zopa was to use, and how quickly I could move money about. Reviewed on: 11th January 2023

Great interest rate and app

Best interest rates around Good for savers like me I like the pots to keep track of money Easy app to use Reviewed on: 11th January 2023

Easy peasy

The app works well, the transfers go through quickly and the communications sent are straight-forward and not full of jargon or waffle. Highly recommended. Reviewed on: 11th January 2023

Excellent rates and easy to use

Zopa automatically adjust their rates, even for accounts where withdrawal notice is being given. Their range is options for instant access and notice accounts gives the option to split your savings easily to suit many needs. The top up and withdrawal times are very fast, usually within 20 minutes. Reviewed on: 11th January 2023

Amazing

Really easy to setup and use, great service. Reviewed on: 11th January 2023

Savings made simple

Easy to set up, easy to move money from and back to my linked bank account. No minimum savings, no penalties for withdrawals and the best easy access interest rates to be found on the market. Reviewed on: 11th January 2023

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