Earn 7.10% AER on your regular savings
Exclusively available to Biscuit current account customers.
You're just a few taps away from sweeter savings
Open a Biscuit current account in the Zopa app to get access to your 7.10% AER Regular Saver – it only takes a few minutes.
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*AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you could get if this monthly interest was compounded and paid once a year instead. We provide an AER to make it easier for you to compare our rates with other providers.
**We pay gross interest, which means nothing is deducted for tax. Tax treatment depends on your individual circumstances and may be subject to change.
Start a new savings habit with our Regular Saver
Earn up to £137 a year when you deposit the maximum amount every month.
Easy access to your money when needed so your savings stay flexible.
Perfect for holidays and big purchases – or building a rainy-day fund.
How to open a 7.10% AER Regular Saver
Already have Biscuit? Open a Smart Saver account in the Zopa app. You can do this in minutes from the 'Apply' tab. Once you have a Smart Saver account, you can open a Regular Saver.
New to Biscuit? Download the Zopa app and open a Biscuit account first – it only takes 5 minutes.
How Regular Saver works
You can save up to £300 a month and withdraw your money anytime.
Interest is calculated daily and paid monthly, meaning your savings keep growing every day.
Regular Saver is available exclusively with Biscuit
Biscuit, the UK’s best free current account for overall value, gives you exclusive access to the 7.10% AER* Regular Saver.
With Biscuit, you could earn £647+ a year through cashback and interest. Plus, you fee-free spending abroad with your Biscuit card.
Biscuit bank account
Treat existing savings to a tasty 4.75% AER* bonus rate
Already got savings set aside? Put them in an Access pot and you could earn 4.75% AER (4.64% gross**) on balances from £1 up to £250,000.
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.
Grow what you already have: A smart option if you want your lump sum to earn more without being locked away.
The bonus rate combines a 3.25% AER variable rate with a fixed 1.50% AER bonus. Limited-time offer.
Easy-access savings*4.75% AER (4.64% gross**) variable combines 3.25% AER variable with a 1.50% AER fixed bonus when you fund your Biscuit bank account with £500 a month for 12 months. £647 is based on customers maximising their benefits with average UK account balances and completing the bonus challenge.
Other ways to save with Zopa
Access pots
Great if you already have savings or want to deposit large sums. Access your money anytime, with no penalties or notice periods.
Boosted pots
Ideal if you can give notice before withdrawing as you get higher rates for longer commitments.
Fixed Term pots
Enjoy guaranteed returns – a good option when your savings goals are longer-term (between 6 months and 5 years).
Award-winning banking from Zopa
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
What our customers say about Zopa
Whether it’s saving, borrowing or everyday banking – our customers trust us to make money simple, rewarding and stress-free.
Who can open a Biscuit bank account?
To access the 7.10% AER Regular Saver, you’ll need to open a Biscuit current account in the Zopa app.
To open a Biscuit bank account, you’ll need to:
Be a UK resident
Be aged 18 or over
Have a UK mobile number and email address
Have a UK current account in your name (to make transfers)
Biscuit is a digital bank account – managed entirely in the Zopa app on iOS and Android.
Learn more about Biscuit eligibility.
Your money’s protected
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.
FAQs – Regular Saver with Biscuit
Start saving today
Earn 7.10% AER with Regular Saver and enjoy all the benefits of Biscuit – the UK's best free current account for everyday value.
Just download the Zopa app to get started.