Smart Savings Hub

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.