Smart Saver. Supercharge your savings

A different pot for every goal — spread your savings across Access anytime, Boosted interest and Fixed Term pots.

Open an account in minutes
Create personalised savings pots
Earn consistently competitive interest rates

Get started with just £1 and save up to £250,000 across your savings pots.

Head to the Smart Savings Hub in the Zopa app to get started.

Rated Excellent based on 28,000+ reviews

A personalised pot for each of your goals

Whether you're saving for a summer holiday, house deposit or emergency fund, open a peronsalised pot for each of your goals to keep your savings organised.

Get the best of both worlds

Withdraw instantly with Access pots or use Boosted and Fixed Term pots to take away the temptation to dip into your savings.

Monthly savings, automated in seconds

Use our auto-save tool to hit your goals effortlessly. Select how much you want to transfer to your savings, and how often, and we'll take care of the rest. You can skip or adjust anytime.

A pot for every goal

Access pots

AER*

Gross**

Access money

3.50%

3.44%

Anytime

Boosted pots

3.58%

3.52%

7 days' notice

3.70%

3.63%

31 days' notice

4.00%

3.92%

95 days' notice

Fixed Term pots

4.25%

4.16%

1 year term

4.20%

4.12%

2 year term

4.10%

4.02%

3 year term

3.80%

3.73%

4 year term

3.80%

3.73%

5 year term

Access and Boosted pot rates are variable, which means they could change in the future. Fixed Term pot rates are fixed for the duration of your chosen term.

*AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead. We provide an AER to make it easier for you to compare our rates with other providers.

**We pay gross interest, which means nothing is deducted for tax.

The interest rates on Boosted pots are tied to the Bank of England base rate. If the base rate changes, your Boosted pot rates will change by the same amount.

Interest rates may change if we update them whilst you’re browsing.

Download our app to start saving

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.

How to open a Smart Saver

Simply download the Zopa app and head to the Smart Savings Hub. From there, you can apply for a  Smart Saver.

People often ask

Boosting is a feature of the Smart Saver account, which allows you to increase the interest rate you receive. In return for the extra interest, you need to give notice within the app before you can access your savings. The longer the notice period, the higher the interest rate.

If you have a Smart Saver account, you can create a Boosted pot by following the steps below:

Open a pot and give it a name.
Tap Boost or Increase Boost inside the pot.
Choose a notice period of 7, 31 or 95 days.
From that date onward, money in a Boosted pot will earn a higher interest rate.

When you need to access the money in a Boosted pot, simply:

Head to your Boosted pot and click Give notice.
Your pot will tell you when your savings will be available to access.
Once the notice period ends, your Boosted pot will become an Access pot, and you’ll be able to withdraw your savings to your nominated bank account or Boost again.

The Rate Climber pot is designed to reward you for reaching significant saving milestones.

There are 3 balance levels to be unlocked, as shown below. Each time your pot balance reaches a new level, your interest rate goes up. This means, the more you save, the more you earn.

Level 1: £0 – £14,999.99

Level 2: £15,000 – £24,999.99

Level 3: £25,000+

If you withdraw enough money to take your pot balance down to a lower level, your interest rate will fall to the one that's available at that level. You can check what level you're on and what rate you're earning at anytime in the app.

And just like our Access pots, you can add and withdraw money anytime, fee-free.

More ways to save with us

There are other ways to grow your money with Zopa.  Visit our Smart Savings Hub page to find out more.

Explore Smart Savings Hub