How do I pay into my Smart Saver?

Updated about 2 months ago

Simply head to your Smart Savings Hub in the Zopa app and hit the Add money button. You'll be given two options for paying into your Smart Saver:

Option 1: One-off save

There are 2 types of one-off save:

1. Instant bank transfer

This is a fast, simple and secure way to top up your Smart Saver directly from your current account banking app.

We partner with FCA-regulated TrueLayer to make the transfer from your linked bank account.

Heads up, you’ll only be able to do an instant bank transfer if your verified account is with a bank that offers open banking.

2. Manual bank transfer

Your Smart Savings Hub has its own sort code and unique account number, which you can use to make a manual bank transfer from your current account. This money will automatically go to your Primary pot. Once it's there, you can choose how you want to split it across your pots.

Before making a manual bank transfer, please make sure that the bank account you’d like to pay from has been verified by us. Find out how to do this here.

If your bank says it can’t verify the details, it’s likely due to a security check called Confirmation of Payee. Read about why other banks might not recognise Zopa.

Also, please be aware, we can only accept Faster Payments — BACS or CHAPS won’t reach us.

Option 2: Auto-save 

If you’ve already transferred money to your Smart Saver, you can find the Auto-save option in the app by tapping Add money. If this is your first time transferring money to your Smart Saver, you can set up auto-save by tapping Start saving.

Please note, you’ll only see the auto-save option if your bank currently supports this feature as part of their open banking services. Don’t worry, the number of banks that offer auto-save is growing. Check out the list of supporting banks here.

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