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
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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 SaverSmart 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
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


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

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