Not a simple app, is it? 
2 Likes
I find the app very irritating, that said I appreciate the interest rate. Mind you I think they are starting to slip behind the better rates. Their website does seem to suggest that they make changes ahead of the rest, they don’t.
I will continue with them until a better rate, with instant access turns up. Although I am tempted with the 9 months Atom off - 4.85% (ish) for a few quid.
1 Like
Same 
My final Zopa 95 day pot was unlocked today and so my balance with Zopa is now £0.00
Moved my funds to one of my RS at 5.50%, remainder to 4% EA with YBS.
The way I see it, even if they increased by 0.25% this, or next, week now, their 95 day pot would still only be offering practically the same as some EA accounts available, so not worth my while
3 Likes
Their 3% access cash ISA is way behind my 6 access one of 4.50%
1 Like
That’s an excellent rate. Who’s the provider, please?
Chip easy access now at 4% - took their time if you ask me AND it should be far better than that!
1 Like
Yorkshire Building Society
Loyalty Six Access Saver e-ISA Issue 2
1 Like
Zopa won’t get anywhere near that for EA imo.
Though Chip’s own notice account must surely rise soon as 4.10% is not competitive when their OWN Easy Access is 4%
1 Like
Looks like Zopa has finally made a move. No email or announcement, but app detail is now showing as
Instant 3.92% AER (Gross 3.85%)
7 day 3.96% AER (Gross 3.89%)
31 day 4.06% AER (Gross 3.98%)
95 day 4.16% AER (Gross 4.09%)
7 Likes
Thanks, but not enough to alter where my savings are stored.
1 Like
Small changes to Zopa rates, as per app. Hmmm…
Now
Instant 4.03% AER
7 day notice 4.07% AER
31 day notice 4.17% AER
95 day notice 4.27% AER
4 Likes
And they’re now allowing a maximum Smart Hub balance of £100,000.
Why would anyone lodge more than £85k
I’m getting more than their 95 day notice rate, at easy access (within minutes) elsewhere
2 Likes
Chip now at 4.51%
1 Like
My 90 day pot unlocked yesterday.
Moved everything into my mortgage offset. Saving on interest paid is now far more appealing than earning it.
1 Like
Beat me this time. I was on the phone…
3 Likes
Chase Saving rate increased to 4.1% AER, but they can’t resist deferring it until 14th August.
1 Like
I saw them early enough, but couldn’t be a$$ed to post as I found the rates totally underwhelming, uninteresting and uncompetitive tbh 
95 day notice rates at less than easy access elsewhere!
Why would one even consider this account?
I still use Zopa as my main savings account provider. I like the ability to organise my savings into multiple pots without opening multiple actual accounts (a feature not available at many providers) and like that they don’t have multiple issues of each product (which leads to different customers being on different rates depending on when they opened their account).
They are rarely at the very top of the comparison tables, but they’re typically only a few tenths of a percent from the top. Frankly, I can’t be bothered to keep opening new accounts every few months just to get a few extra tenths of a percent.
3 Likes
Agreed, as of the 16th of this month the rest of my money is moving. At the moment I am looking around for the best options although tempted putting a few grand into Atom’s 1 year fix ~ 6%ish
2 Likes