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Review of the Zopa, Smart Saver:

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The "Biscuit" Current Account: Zopa’s entry entry

The "Biscuit" Current Account: Zopa’s entry into everyday banking. It typically offers around 2% AER on your balance (up to a limit) and provides 2% cashback on eligible direct debits. Smart Saver Pots: A flexible savings tool that lets you split your money into "Access" pots (instant) or "Boosted" pots (7, 31, or 95-day notice) for higher interest rates. Market-Leading Regular Saver: One of their strongest hooks, often offering rates as high as 7.1% AER for customers who save monthly (up to £300). Zopa Credit Card: A "smart" card designed to help users build or manage credit with real-time notifications and no foreign transaction fees on spending. Borrowing Power: A unique tool in the app that gives you a "Zopa score" and tells you exactly what loan or credit rates you qualify for before you apply. Reviewed on: 6th March 2026

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