Our past Smart Savings Hub rates
Here's a list of all the changes we've made to the interest rates on our Smart Savings Hub products over time, excluding any bonus rates.
To check what interest rate you're currently earning, simply head to your Smart Savings Hub in the Zopa app.
Effective date
Monthly interest rate (%)
19/12/2025
-
2.91%
2.95%
19/12/2025
-
3.03%
3.08%
19/12/2025
-
3.15%
3.20%
19/12/2025
-
3.49%
3.55%
19/12/2025
-
3.20%
3.25%
Definitions
AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead.
Gross interest is the rate of interest we apply to your money, before any tax is taken off.
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.
