Mobile phone browsing the smart saver app

Smart Savings Hub

Our Smart Savings Hub brings different ways to save under one roof, so you can reach your goals your way.

Head to the Smart Savings Hub in our app to apply for a Smart Saver account. Once that’s open, you can apply for a Smart ISA, too.

Download the Zopa app to start saving

Rated excellent based on 25,000+ reviews

Picking the right savings pots for you

Smart Saver

Split savings across Access anytime and Boosted interest pots.

Check out our rates

Smart ISA

The simple, smart and flexible way to save tax-free*.

Check out our rates

*Tax treatment depends on your circumstances and may be subject to change

Compare savings pots

	Smart Saver	Smart ISA
All managed in the Zopa app
Save in personalised pots
You can get started from £1
Access anytime pots
Boosted-interest notice pots at higher rates
Tax-free

You can save a total of £250,000 across all accounts in your Smart Savings Hub.

Your money's secure

Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.

Please ask for further information or visit www.fscs.org.uk.

Awards

Savings Champions Awards - Award for Simple Savings 2023

AltFi - Bank of the Year 2022

Moneynet Awards 2023 - Most Consistent Savings Provider

People often ask us

The Smart Savings Hub is your one-stop shop for app-based savings at Zopa. It lets you keep track of your Smart Saver and Smart ISA pots in one place.

You’ll find your Smart Savings Hub on the Zopa app home page. Just to let you know, our Fixed Term Savings accounts are currently available through the Zopa website only, so you won’t see them in your Smart Savings Hub.

Within your Smart Savings Hub, you’ll be able to apply for a Smart Saver account, where you can open Access anytime and Boosted interest pots. Once you’ve opened a Smart Saver account, you’ll also be able to open a Smart ISA. Find out how to do this here.

You’ll need to open a Smart Saver account with us before you can apply for a Smart ISA. To do this, simply download the Zopa app and head to your Smart Savings Hub, which you’ll find on the home page. From there, you’ll be able to apply for a Smart Saver account. Once that’s set up, you’ll see the option to Open a Smart ISA at the bottom of your Smart Savings Hub. Follow the instructions on your screen to do this.

Yes, Zopa’s Access ISA pots are flexible. That means you can withdraw and replace money in the same tax year without affecting your allowance. For example, say you’d saved £10,000 in your Smart ISA. You could withdraw this in full and then add it back in within the same tax year and still have £10,000 of your ISA allowance left.

Just so you know, any money you withdraw and move outside your Smart ISA will no longer qualify as tax-free.

Looking for a fixed interest rate?

We also offer fixed term savings, where you can lock your money away for 1 to 5 years and get a fixed interest rate throughout. But they’re not in the Smart Savings Hub just yet, only online.

Learn more