Easy access savings from Zopa
Earn up to 3.50% AER (variable) with our Access pots – easy access savings you can dip into anytime. No fees, no fuss
Whether you’re building a rainy-day fund or setting cash aside for life’s little surprises, easy access savings can help you get there faster.
Download the Zopa app to get started.
Our limited-time 4.75% AER bonus rate offer has now ended.
Download the Zopa app to stay in the loop on future rates and offers.
Compare the rates of our flexible savings accounts
Want the flexibility to access your money if you need it? Choose between our easy access savings or ISA accounts and get a great rate with added peace of mind.
| Account | Rate (AER) | Annual earnings based on £10,000 easy access savings |
|---|---|---|
 Zopa Access pots | 3.25% AER (3.20% gross**) | £325 |
| Zopa Access ISA | 3.50% AER (3.44% gross**) | £350 |
Rates accurate as of 10 October 2025 | View our historic rates.
*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.
How our savings rates work
Access Pots track the Bank of England base rate – when it moves, your rate moves too. But don’t worry, we’ll always tell you before anything changes.
All interest is paid gross, which means nothing is deducted for tax.
We show interest as AER* (annual equivalent rate), so it’s easy to compare what you’ll earn across different accounts.
What are easy access savings?
Easy access savings let you get to your money whenever you need it – and still earn a great rate on your balance. So if life happens and you have to dip in, there’s no stress, fees or penalties to pay.
It’s the perfect balance of peace of mind – and a rate that gives your savings the boost they deserve.
Are easy access savings 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.
Instant access savings with the Smart Saver account
Whatever you’re saving for – a lump sum, a rainy-day fund, or anything in between – our Smart Saver makes it simple with our easy-access saving options.
Earn 3.25% AER* with Access pots
You can save up to £250,000 in our Access pots – and open up as many pots as you like in the Zopa app. Perfect for keeping different goals separate.
You’ll earn 3.25% AER (3.20% gross**) variable on your balance – and if you’ve got spare cash sitting there, you can move it into an Access pot and start earning interest from day one. It's a win-win for your savings (and you).
Save tax-free with an easy access ISA pot 3.50% AER*
Earn 3.50% AER (3.44% gross**) variable with an Access ISA. Withdraw and replace money without using up your £20,000 allowance – plus, transfer existing ISAs quickly, so your savings never miss a beat.
Our easy access ISA pots are simple, smart and flexible way to save tax-free. Withdraw anytime, no fees.
How to open an easy access savings account
Download the Zopa app
Open a Smart Saver account
Add money to your Access pot or cash ISA
Watch your savings rise (that's the icing on the cake)
Manage your savings all from the Zopa app
To pay money in, just make an instant money transfer from any verified bank account that offers Open Banking – or you can make a manual transfer if you prefer.
You can then see your growth and withdraw your money at any time to a linked bank account in Zopa app.
Smart tools to help your savings grow
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.
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.
Our savings get the seal of approval
Best Savings App – MoneyNet, 2025
Personal Savings Provider of the Year – MoneyComms, 2024
Best Regular Savings Provider – MoneyNet, 2024
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
Zopa's covered by the Financial Services Compensation Scheme (FSCS). This means your eligible deposits, which includes any money held in a Zopa bank account or savings account, are protected up to £120,000.
To learn more, visit fscs.org.uk.
More ways to make saving effortless with Zopa bank
If you want easy access to your money, our Access pots keep things flexible. But if you can put your savings aside for a bit longer, our Boosted Pots, Fixed Term Savings, and Fixed-term ISA pots let you lock in higher or guaranteed rates.
Check out our full range of savings products for more details.
Zopa savings accountsStart 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.