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The terms and rates available

We’re taking a slow and sensible approach to launching our brand new fixed term savings account to make sure that everything is working perfectly. If you have received a personalised email link from us, you’re free to apply. If not, please sign up to be notified when we are ready for you.

1 Year at

1.10%AER* Fixed | 1.09% Gross**

2 Years at

1.40%AER* Fixed | 1.39% Gross**

3 Years at

1.50%AER* Fixed | 1.48% Gross**

4 Years at

1.55%AER* Fixed | 1.53% Gross**

5 Years at

1.60%AER* Fixed | 1.58% Gross**

All interest rates are fixed. Interest is paid into an account monthly.

Save from £1,000 to £250,000 per Fixed Term Savings account, and up to £500,000 in total.

*AER stands for Annual Equivalent Rate and represents the interest you will earn each year once the monthly compounding of gross interest is included.

**Gross is the set rate of interest we apply to your money, before any tax is taken off.

The interest rates shown may vary if we update them while you’re browsing.

Terms and conditions

for Fixed Term Savings accounts

Your money's secure

Your eligible deposits with Zopa are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please ask for further information or visit www.fscs.org.uk.

Why choose us

Quick and simple setup

Open an account online in just a few minutes.

14 days to pay in

Top up your savings as many times as you like for 14 days before the term starts.

Earn extra interest

We pay interest on your money as soon as it lands in your account. That's up to two weeks of extra interest on any money you pay in.

Watch your money grow

Keep tabs on your savings 24/7 in your online account.

People often ask us

Save with confidence

UK Finance member

Best Personal Loan Provider

Five stars on Trustpilot

4.9 / 5 out of 14,431 reviews

500k Active Zopa Customers

Moneyfacts Award Logo 2019

Best customer service 2018

Zopa FeelGood Money®

We're proud to do things differently. In 2005 we created the first ever peer- to-peer lending business to make loans and investments better for everyone.

In 15 years we've helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust.

Everything happens online - so we can pass the rewards onto our customers. We have handy tools to make managing your money easier and helpful people at the end of the phone if you ever need a hand. We give all our customers a fair deal as standard and our products are built so that we win when you win.

Your opinion matters. So if something's not working, we take your feedback and board and do our best to make things better.

We're fully FCA regulated and the first peer-to-peer lending company to gain a UK banking licence.

1 Year at

1.10%AER* Fixed | 1.09% Gross**

2 Years at

1.40%AER* Fixed | 1.39% Gross**

3 Years at

1.50%AER* Fixed | 1.48% Gross**

4 Years at

1.55%AER* Fixed | 1.53% Gross**

5 Years at

1.60%AER* Fixed | 1.58% Gross**

All interest rates are fixed. Interest is paid into an account monthly.

Save from £1,000 to £250,000 per Fixed Term Saver account, and up to £500,000 in total.

*AER stands for Annual Equivalent Rate and represents the interest you will earn each year once the monthly compounding of gross interest is included.

**Gross is the set rate of interest we apply to your money, before any tax is taken off.

The interest rates shown may vary if we update them while you’re browsing.

Terms and conditions

for Fixed Term Savings accounts