Savings from Zopa
Looking for the right savings account? With Smart Saver, you can choose from easy-access, fixed-term, tax-free ISAs and more – all in one app.
Sweeter savings in a few taps
Download the Zopa app today and start building your healthy savings habit – it only takes a few minutes.
Rated Excellent based on 30,000+ reviews
Savings that get the seal of approval
Best Savings App – MoneyNet, 2025
Personal Savings Provider of the Year – MoneyComms, 2024
Best Regular Savings Provider – MoneyNet, 2024
Smart Saver – the savings account with multiple pots
Smart Saver is a savings account with pots for different goals, so you can organise your money the way you want. From instant access to fixed returns and tax-free savings, it’s all in one account, managed easily in the Zopa app.
Earn 4.75% AER bonus rate on easy access savings
Pay £500+ into your Biscuit bank account each month to unlock an exclusive 4.75% AER* (4.66% gross**) variable on your Access pot savings. Combining our standard 3.25% AER variable with a 1.50% AER fixed bonus, it's yours for up to 12 months.
Miss a month? Your rate drops to 3.25% AER variable, but you can unlock the bonus again the next month. Withdraw anytime, so your money stays flexible while it earns more.
Easy-access savingsCompare Zopa savings pots interest rates
See how our savings pots stack up, so you can choose the rate and access that works best for you.
| Pot name | Withdraw anytime | Fixed-rate | Interest rates AER (Gross) |
|---|---|---|---|
| Access pot | 3.25% (3.20%) | ||
| Access pot with bonus rate | 4.75% (4.66%) | ||
| Access ISA pot | 3.25% (3.20%) | ||
| Boosted pot | Up to 3.75% (Up to 3.68%) | ||
| Fixed-term pot | Up to 4.00% (Up to 3.92%) |
Data correct as of 10 October 2025. Take a look at all of our savings interest rates.
Access and Boosted pot rates are variable, which means they could change in the future. Fixed Term pot rates are fixed for the duration of your chosen term. The interest rates on Boosted pots are tied to the Bank of England base rate. If the base rate changes, your Boosted pot rates will change by the same amount.
*AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you would 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.
Find the best savings pots for your goals
Whatever you’re saving for – a rainy-day fund, a holiday, or something bigger – Smart Saver has a pot for it. Pick from easy access, steady saving, or longer-term returns, and know your money is working harder.
3.25% AER* on easy access savings
With our Access pots, you can save from £1 up to £250,000 and withdraw anytime – with no notice or penalties. You’ll earn a 3.25% AER (3.20% gross) variable on your balance – a strong rate with full flexibility.
Got a lump sum sitting idle? Move it into an Access pot and start earning interest straight away instead of leaving it in a zero-interest account.
7.10% AER Regular Saver
Enjoy a market-leading 7.10% AER* (6.87% gross) variable on your regular savings on deposits up to £300 a month, ideal if you’re kick starting a new monthly savings habit.
Which? say it’s one of the most competitive best regular savers available and it’s rated number 1 on MoneySavingExpert. Regular Saver is exclusively available to Biscuit bank account customers.
Regular Saver
Notice savings accounts
Boosted pots are our notice savings options. You pick how long you’ll lock in for – 7, 31 or 95 days – and earn a higher rate the longer you commit.
You just need to give notice before taking money out, which makes them perfect for savings you can plan ahead for, like a holiday or annual bills.
Fixed-term savings
With fixed-term pots you lock your money away for a set period, from 6 months up to 5 years. In return, you get a guaranteed rate that won’t change – a simple, stress-free way to know exactly how much interest you’ll earn.
They’re ideal for longer-term goals when you don’t need immediate access.
Smart tools to help your savings grow with Zopa bank
The Zopa app makes it easy to stay on track with your goals, whether you’re building a rainy-day fund, planning a holiday, or saving for something bigger.
Keep on track, without the guesswork
Our simple in-app tracker shows how many months you’ve earned bonus interest – plus how much you need to pay into your bank account to unlock the 4.75% AER rate for that month. No second-guessing – just peace of mind that your savings are getting the treatment they deserve.
Automate your monthly saving habit
Use our auto-save tool to hit your goals effortlessly. Select how much you want to transfer to your savings, and how often, and we'll take care of the rest. You can skip or adjust anytime. You set the goals. We do the work.
Get your full savings picture
See your full savings spread – every pot, every bit of interest you’ve earned so far – all in one place. The Growth Hub shows how your money’s stacking up and how close you are to hitting your goals.
Zopa Bank is trusted by over 1.5 million customers
Whether it’s saving, borrowing, or everyday banking, our customers trust us to make money simple, rewarding and stress-free.
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.
Download the Zopa app to get started
Then head to the Smart Savings Hub – from there, you can apply for a Smart Saver.