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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.93 (8146 reviews)

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4.93

Based on 8,146 reviews, last reviewed 7th May 2026

100% 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

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 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.

Zopa Smart Saver reviews (8146)

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

5 star

Been using a month - no complaints! Easy to use Reviewed on: 11th January 2023

Simple and effective savings

My experience of Zopa for savings has been excellent. The concept of savings pots - with boosted rates if 'locking in' on their 7, 31 or 95 days notice offerings - is simple to understand and encourages financial planning. The rates are very competitive, deposits and withdrawals are efficient, and the app is well-designed. Reviewed on: 11th January 2023

Highest interest rate available

So far the app is very user friendly. Very quick transfers. The different pot options is very helpful to have all in one place. And the interest rate is the highest of all available products. Reviewed on: 11th January 2023

Definitely worth a look!

Easy to set-up/maintain good communication/good rates of interest Reviewed on: 11th January 2023

Easy to use

Very easy to use and to open and transfer. Highly secure as well with good interest rates Reviewed on: 11th January 2023

Exceeded expectations

Great idea, easy to open, easy to add to, easy to use if not IT literate. Great interest rates compared to others. Highly recommend Reviewed on: 11th January 2023

Savings

Easy to set up! Allows for separate savings pots which is great for saving for certain things. Higher rates the longer you 'lock'your money into an account. Reviewed on: 11th January 2023

Great interest rate, user-friendly app

Interest rates are great and the app is super easy to use. Reviewed on: 11th January 2023

Quick easy savings

Getting an account was quick and easy. They have great interest rates and a top notch app making managing savings easy. Short term fixes to boost interest rates is great. Reviewed on: 11th January 2023

Great App and rates

App very easy to use and manage my money. Very competitive savings rates. Reviewed on: 11th January 2023

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