Earn 4.75% AER on your easy-access savings
The UK’s top easy-access savings rate, exclusive to Biscuit current account customers.
Rate available for a limited time only.
The UK's top easy-access savings rate claim is based on comparisons with other top providers – take a look at our methodology.
Why smart savers choose Zopa for easy-access savings
Unlock your 4.75% AER* bonus savings rate with Biscuit
Four simple steps to grab our tasty bonus rate:
Step 1: Open a Biscuit current account in the Zopa app (your Smart Saver will be set up automatically).
Step 2: Add your savings to an Access pot in your Smart Saver account.
Step 3: Pay £500 or more each month into your Biscuit current account to unlock your savings bonus rate.
Step 4: Enjoy a market-leading 4.75% AER* on your Access pots. Simple!
Compare easy-access savings
More interest, less effort. When it comes to easy-access savings, Zopa is way ahead of the pack.
| Account | Rate (AER) | Annual interest based on typical savings |
|---|---|---|
 Bonus easy-access savings by Zopa | 4.75% | £391* |
 Boosted Saver by Chase | 4.50% | £370 |
 Easy Access Saver by Starling Bank | 3.75% | £247 |
 Flex Instant Saver by Nationwide | 2.50% | £206 |
 Easy Access Saver by Santander | 2.00% | £165 |
 Everyday Saver by Barclays | 1.11% | £91 |
 Easy Saver by Lloyds | 1.10% | £91 |
£391 is an illustrative example based on average easy-access balances held by Zopa customers, saved at 4.75% AER (3.25% variable rate with a fixed 1.50% bonus) for 12 months when £500+ per month is deposited into a Biscuit bank account. All data accurate as of 10 October 2025.
Take a look at our comparison methodology to see how we reviewed 15 UK banks.
*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.
Is our high easy-access savings rate right for you?
Got a lump sum? Put it to work in an Access pot instead of leaving it in a zero-interest account.
Building an emergency fund? Keep it accessible and still earn a strong return.
Need flexibility? Add or withdraw money whenever you like, with no notice or penalties.
Saving big or small? Whether you’ve got £1 or £250,000, you’ll get the same great rate.
Who’s eligible?
You’ll need to have a Biscuit bank account and you need to:
Be aged 18+.
Be a UK resident and only have tax residency in the UK (which excludes the Channel Islands and the Isle of Man).
Not be a United States citizen.
Pass any checks we're required to do by law or regulation.
Learn more about Biscuit eligibility.
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.
Top tip: Set up a standing order for £500 or more to your Biscuit bank account, so you never miss out on your bonus rate.
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 all your savings in one place – 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.
Trusted by customers. Recognised by experts.
Simple, great-value savings that people and experts trust. That’s why Zopa Bank has been recognised again and again for making money easier.
Best Savings App – Moneynet 2025
Best App Based Savings Provider - Money Comms 2024
Personal Savings Provider of the Year - Moneynet 2025
Rated #1 by MoneySavingExpert for cashback, perks, regular and easy-access savings
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.
Bonus savings rate FAQs
Start saving smarter today
Unlock a bonus 4.75% AER easy-access savings rate and enjoy all the benefits of Biscuit – the UK's best free current account for overall value.
Just download the Zopa app to get started.
