Limited Access savings from Zopa
Earn a higher rate on savings you don’t need to dip into often.
Earn up to 4.41% AER variable
New savings customers will earn 4.41% AER* (4.32% gross**) variable. This is made up of 3.50% AER* (3.44% gross**) variable, plus a 12-month 0.91% AER (0.90% gross**) variable bonus on the first £50,000 in your pot.
Open a Limited Access pot in the Zopa app in just a few taps.
Rated Excellent based on 30,000+ reviews
Am I eligible for the 4.41% AER rate? You're eligible if you opened a Zopa savings account on or after 16 June 2026. You're also eligible if you opened an account before 16 June 2026 but haven't added any money yet. Not eligible? You'll still earn a great rate of 3.50% AER* (3.44% gross**) variable.
How Limited Access pots work
Open a pot and add money anytime
You can have one Limited Access pot at a time and save anything from £1 up to £250,000.
Withdraw up to three times a year
You can withdraw up to three times every 12 months. Make a fourth withdrawal and your rate will drop.
Get a fresh withdrawal allowance every year
On your pot anniversary, your interest rate resets and you can make up to three more withdrawals.
Limited Access pot interest rates
Your interest rate depends on your balance, whether you’re a new Zopa savings customer and how many withdrawals you make.
When this rate applies | Interest rate AER* (gross**) variable |
|---|---|
Up to three withdrawals in 12 months | 3.50% (3.44%) |
Four or more withdrawals in 12 months | 2.00% (1.98%) until your next pot anniversary |
New to savings bonus on first £50,000 | 4.41% (4.32%), which includes a 12-month 0.91% (0.90%) bonus |
Your withdrawal allowance resets on your pot anniversary. If you made more than three withdrawals and your rate dropped to 2.00% AER variable, it will move to the higher rate available at that time, currently 3.50% AER variable.
*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.
Is a Limited Access pot right for you?
A Limited Access pot is useful for savings you want to leave to grow for things like holidays, home improvements or a new car. It could suit you if:
You've got money you don't plan to dip into often.
You still want the option to access your money if you need to.
Need to withdraw more regularly? An Access pot could be a better fit.
Our savings get the seal of approval
Personal Savings Provider of the Year – MoneyNet 2025
Best Savings App – MoneyNet 2026
Best App Based Savings Provider – Money Comms 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.
Open a Limited Access pot today
Download the Zopa app and open a Limited Access pot in minutes.