Our past Smart Saver interest rates

Here you can see all the changes we've made to Smart Saver interest rates over time.

Interest rates for accounts opened from 19/5/2023 to present

Effective date

Start

End

Monthly interest rate (%)

Gross

AER

Access pot

13/9/2023
-
4.44%
4.54%
3/8/2023
12/9/2023
4.19%
4.28%
13/7/2023
2/8/2023
3.95%
4.03%
23/6/2023
12/7/2023
3.85%
3.92%
2/6/2023
22/6/2023
3.46%
3.52%
19/5/2023
1/6/2023
3.40%
3.46%

7-day Boosted pot

13/9/2023
-
4.47%
4.57%
3/8/2023
12/9/2023
4.23%
4.32%
13/7/2023
2/8/2023
3.99%
4.07%
23/6/2023
12/7/2023
3.89%
3.96%
2/6/2023
22/6/2023
3.50%
3.56%
19/5/2023
1/6/2023
3.44%
3.50%

31-day Boosted pot

13/9/2023
-
4.55%
4.65%
3/8/2023
12/9/2023
4.33%
4.42%
13/7/2023
2/8/2023
4.09%
4.17%
23/6/2023
12/7/2023
3.98%
4.06%
2/6/2023
22/6/2023
3.60%
3.66%
19/5/2023
1/6/2023
3.54%
3.60%

95-day Boosted pot

13/9/2023
-
4.69%
4.80%
3/8/2023
12/9/2023
4.42%
4.52%
13/7/2023
2/8/2023
4.18%
4.27%
23/6/2023
12/7/2023
4.08%
4.16%
2/6/2023
22/6/2023
3.69%
3.76%
19/5/2023
1/6/2023
3.63%
3.70%

Interest rates for accounts opened from 20/10/2021 to 19/5/2023

Effective date

Start

End

Monthly interest rate (%)

Gross

AER

Access pot

13/9/2023
-
4.44%
4.54%
3/8/2023
12/9/2023
4.19%
4.28%
13/7/2023
2/8/2023
3.95%
4.03%
23/6/2023
12/7/2023
3.85%
3.92%
2/6/2023
22/6/2023
3.46%
3.52%
19/5/2023
1/6/2023
3.40%
3.46%
31/3/2023
18/5/2023
3.29%
3.34%
3/3/2023
30/3/2023
3.16%
3.21%
27/2/2023
2/3/2023
3.02%
3.07%
15/12/2022
26/2/2023
2.82%
2.86%
31/10/2022
14/12/2022
2.37%
2.40%
11/10/2022
30/10/2022
2.12%
2.15%
12/9/2022
10/10/2022
1.83%
1.85%
8/8/2022
11/9/2022
1.79%
1.81%
11/7/2022
7/8/2022
1.48%
1.50%
21/6/2022
10/7/2022
1.39%
1.40%
6/6/2022
20/6/2022
1.29%
1.30%
19/4/2022
5/6/2022
1.19%
1.20%
11/4/2022
18/4/2022
1.14%
1.15%
28/3/2022
10/4/2022
0.99%
1.00%
22/2/2022
27/3/2022
0.71%
0.72%
20/10/2021
21/2/2022
0.59%
0.60%

7-day Boosted pot

13/9/2023
-
4.47%
4.57%
3/8/2023
12/9/2023
4.23%
4.32%
13/7/2023
2/8/2023
3.99%
4.07%
23/6/2023
12/7/2023
3.89%
3.96%
2/6/2023
22/6/2023
3.50%
3.56%
19/5/2023
1/6/2023
3.44%
3.50%
31/3/2023
18/5/2023
3.32%
3.38%
3/3/2023
30/3/2023
3.20%
3.25%
27/2/2023
2/3/2023
3.07%
3.12%
15/12/2022
26/2/2023
2.87%
2.91%
31/10/2022
14/12/2022
2.42%
2.45%
11/10/2022
30/10/2022
2.17%
2.20%
12/9/2022
10/10/2022
1.88%
1.90%
8/8/2022
11/9/2022
1.83%
1.85%
11/7/2022
7/8/2022
1.53%
1.55%
21/6/2022
10/7/2022
1.44%
1.45%
6/6/2022
20/6/2022
1.34%
1.35%
19/4/2022
5/6/2022
1.24%
1.25%
11/4/2022
18/4/2022
1.19%
1.20%
28/3/2022
10/4/2022
1.04%
1.05%
22/2/2022
27/3/2022
0.74%
0.75%
20/10/2021
21/2/2022
0.64%
0.65%

31-day Boosted pot

13/9/2023
-
4.55%
4.65%
3/8/2023
12/9/2023
4.33%
4.42%
13/7/2023
2/8/2023
4.09%
4.17%
23/6/2023
12/7/2023
3.98%
4.06%
2/6/2023
22/6/2023
3.60%
3.66%
19/5/2023
1/6/2023
3.54%
3.60%
31/3/2023
18/5/2023
3.39%
3.45%
3/3/2023
30/3/2023
3.26%
3.31%
27/2/2023
2/3/2023
3.22%
3.27%
15/12/2022
26/2/2023
3.01%
3.06%
31/10/2022
14/12/2022
2.56%
2.60%
11/10/2022
30/10/2022
2.32%
2.35%
12/9/2022
10/10/2022
2.03%
2.05%
8/8/2022
11/9/2022
1.93%
1.95%
11/7/2022
7/8/2022
1.63%
1.65%
21/6/2022
10/7/2022
1.58%
1.60%
6/6/2022
20/6/2022
1.44%
1.45%
19/4/2022
5/6/2022
1.34%
1.35%
11/4/2022
18/4/2022
1.29%
1.30%
28/3/2022
10/4/2022
1.14%
1.15%
22/2/2022
27/3/2022
0.84%
0.85%
20/10/2021
21/2/2022
0.74%
0.75%

95-day Boosted pot

13/9/2023
-
4.69%
4.80%
3/8/2023
12/9/2023
4.42%
4.52%
13/7/2023
2/8/2023
4.18%
4.27%
23/6/2023
12/7/2023
4.08%
4.16%
2/6/2023
22/6/2023
3.69%
3.76%
19/5/2023
1/6/2023
3.63%
3.70%
31/3/2023
18/5/2023
3.49%
3.55%
27/2/2023
30/3/2023
3.41%
3.47%
15/12/2022
26/2/2023
3.21%
3.26%
31/10/2022
14/12/2022
2.76%
2.80%
11/10/2022
30/10/2022
2.52%
2.55%
12/9/2022
10/10/2022
2.22%
2.25%
8/8/2022
11/9/2022
2.03%
2.05%
11/7/2022
7/8/2022
1.83%
1.85%
21/6/2022
10/7/2022
1.78%
1.80%
6/6/2022
20/6/2022
1.58%
1.60%
19/4/2022
5/6/2022
1.44%
1.45%
11/4/2022
18/4/2022
1.39%
1.40%
28/3/2022
10/4/2022
1.24%
1.25%
22/2/2022
27/3/2022
1.04%
1.05%
20/10/2021
21/2/2022
0.94%
0.95%

Definitions

AER stands for Annual Equivalent Rate and shows you how much interest you'd earn if interest was paid and compounded each year.

Gross interest tells you the amount of interest you'd earn on your savings before deducting tax.

Your money's secure

Your eligible deposits with Zopa are protected up to a total of £85,000 by theFinancial 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

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