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Dan Cruise

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Review of the Tembo Money, Lifetime ISA:

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Competitive rate and referral bonus

Started using Tembo when they had the highest interest rate on their easy access ISA. Stuck with them as their rate remains competitive. I have referred several family and friends to Tembo and enjoyed a hefty referral bonus because of that. I am very happy with my experience. Reviewed on: 3rd February 2026

Review of the Zopa, Smart Saver:

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User friendly with high interest rates

Zopa has a very easy-to-use app that allows the swift transfer of money from a linked account which can also be easily moved back. The interest rates are very competitive and are regularly increased to track the base rate. The app is so easy to use and transfers are done so quickly that I only keep a minimal amount in my current account because I know that if I need additional funds then I can get it in a few minutes. Where Zopa really excels is with their ‘boosted pots’ where the user can choose to lock away some of their money for a selected period of time and earn an increased interest rate on that money. Zopa is by far the easiest way to boost savings, and with them offering some of the best rates around, it seems like a no-brained decision to use it as my savings account. Reviewed on: 3rd April 2023

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