Savings interest rates
Whether you want instant access, boosted rates, or fixed returns, our savings pots help you earn more while keeping your goals in sight.
Browse our latest savings interest rates to find the right pot for your goals.
Like a rate? Open a Smart Saver today
Just download the Zopa app and head to the Smart Savings Hub to get started.
Rated Excellent based on 30,000+ reviews
Compare Zopa savings pot interest rates
With Smart Saver, you can choose how your money works for you. Go flexible with easy-access savings, plan ahead with our boosted ‘notice’ pots, or lock in higher fixed returns – all within one simple account.
Every pot earns its own rate, so you can mix and match to suit your goals.
A pot for every goal
Access pots
AER*
Gross**
Access money
3.25%
3.20%
Anytime
Boosted pots
3.33%
3.28%
7 days' notice
3.45%
3.39%
31 days' notice
3.75%
3.68%
95 days' notice
Fixed Term pots
4.00%
3.92%
6 month term
4.25%
4.16%
1 year term
4.20%
4.12%
2 year term
4.10%
4.02%
3 year term
3.80%
3.73%
4 year term
3.80%
3.73%
5 year term
All rates are correct as of 22 October 2025. View historic rates.
*AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead.
** We pay gross interest, which means nothing is deducted for tax.
Interest rates may change if we update them whilst you’re browsing.
Download our app to start saving
Limited-time offer: Earn 4.75% AER on easy-access savings
For a limited time, you can earn a 4.75% AER (4.64% gross**) easy-access bonus rate on Access pot balances from £1 up to £250,000 – exclusive to Biscuit bank account customers.
Keep your bonus rolling: Top up your Biscuit account with £500+ each month to maintain the bonus for up to 12 months.
Stay flexible: Add or withdraw money at any time, with no notice or penalties.
The bonus rate combines a 3.25% AER variable rate with a fixed 1.50% AER bonus.
How our savings rates work
Access and Boosted pots track the Bank of England base rate, so when it moves, your rates move – but don't worry, we'll always tell you before anything changes.
Fixed Term pots give you a guaranteed rate for a set term, from 6 months to 5 years.
All interest is paid gross which means nothing is deducted for tax
We show interest as AER (annual equivalent rate) so you can easily compare what you’ll earn.
Savings that fit your life
Smart Saver gives you multiple pots in one account, so you can separate your savings by goal, access type, or timeframe – without juggling logins or apps.
Mix flexible and fixed pots in one place
Earn competitive rates across every pot
Manage everything easily in the Zopa app
Looking for tax-free savings?
Save tax-free with a Zopa Cash ISA. Mix easy-access and fixed-term ISA pots under one account, withdraw and replace money flexibly, and stay within your £20,000 allowance.
Good to know: Tax treatment depends on your individual circumstances and may be subject to change.
ISAsYour 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 www.fscs.org.uk.
People often ask
How to open a Smart Saver
Simply download the Zopa app and head to the Smart Savings Hub. From there, you can apply for a Smart Saver.