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.
Interest rates for accounts opened from 20/10/2021 to present
Effective date
Start
End
Monthly interest rate (%)
Gross
AER
Access pot
13/9/2023
-
4.44%
4.54%
3/8/2023
13/9/2023
4.19%
4.28%
13/7/2023
3/8/2023
3.95%
4.03%
23/6/2023
13/7/2023
3.85%
3.92%
2/6/2023
23/6/2023
3.46%
3.52%
19/5/2023
2/6/2023
3.40%
3.46%
31/3/2023
19/5/2023
3.29%
3.34%
3/3/2023
31/3/2023
3.16%
3.21%
27/2/2023
3/3/2023
3.02%
3.07%
15/12/2022
27/2/2023
2.82%
2.86%
31/10/2022
15/12/2022
2.37%
2.40%
11/10/2022
31/10/2022
2.12%
2.15%
12/9/2022
11/10/2022
1.83%
1.85%
8/8/2022
12/9/2022
1.79%
1.81%
11/7/2022
8/8/2022
1.48%
1.50%
21/6/2022
11/7/2022
1.39%
1.40%
6/6/2022
21/6/2022
1.29%
1.30%
19/4/2022
6/6/2022
1.19%
1.20%
11/4/2022
19/4/2022
1.14%
1.15%
28/3/2022
11/4/2022
0.99%
1.00%
22/2/2022
28/3/2022
0.71%
0.72%
20/10/2021
22/2/2022
0.59%
0.60%
7-day Boosted pot
13/9/2023
-
4.47%
4.57%
3/8/2023
13/9/2023
4.23%
4.32%
13/7/2023
3/8/2023
3.99%
4.07%
23/6/2023
13/7/2023
3.89%
3.96%
2/6/2023
23/6/2023
3.50%
3.56%
19/5/2023
2/6/2023
3.44%
3.50%
31/3/2023
19/5/2023
3.32%
3.38%
3/3/2023
31/3/2023
3.20%
3.25%
27/2/2023
3/3/2023
3.07%
3.12%
15/12/2022
27/2/2023
2.87%
2.91%
31/10/2022
15/12/2022
2.42%
2.45%
11/10/2022
31/10/2022
2.17%
2.20%
12/9/2022
11/10/2022
1.88%
1.90%
8/8/2022
12/9/2022
1.83%
1.85%
11/7/2022
8/8/2022
1.53%
1.55%
21/6/2022
11/7/2022
1.44%
1.45%
6/6/2022
21/6/2022
1.34%
1.35%
19/4/2022
6/6/2022
1.24%
1.25%
11/4/2022
19/4/2022
1.19%
1.20%
28/3/2022
11/4/2022
1.04%
1.05%
22/2/2022
28/3/2022
0.74%
0.75%
20/10/2021
22/2/2022
0.64%
0.65%
31-day Boosted pot
13/9/2023
-
4.55%
4.65%
3/8/2023
13/9/2023
4.33%
4.42%
13/7/2023
3/8/2023
4.09%
4.17%
23/6/2023
13/7/2023
3.98%
4.06%
2/6/2023
23/6/2023
3.60%
3.66%
19/5/2023
2/6/2023
3.54%
3.60%
31/3/2023
19/5/2023
3.39%
3.45%
3/3/2023
31/3/2023
3.26%
3.31%
27/2/2023
3/3/2023
3.22%
3.27%
15/12/2022
27/2/2023
3.01%
3.06%
31/10/2022
15/12/2022
2.56%
2.60%
11/10/2022
31/10/2022
2.32%
2.35%
12/9/2022
11/10/2022
2.03%
2.05%
8/8/2022
12/9/2022
1.93%
1.95%
11/7/2022
8/8/2022
1.63%
1.65%
21/6/2022
11/7/2022
1.58%
1.60%
6/6/2022
21/6/2022
1.44%
1.45%
19/4/2022
6/6/2022
1.34%
1.35%
11/4/2022
19/4/2022
1.29%
1.30%
28/3/2022
11/4/2022
1.14%
1.15%
22/2/2022
28/3/2022
0.84%
0.85%
20/10/2021
22/2/2022
0.74%
0.75%
95-day Boosted pot
13/9/2023
-
4.69%
4.80%
3/8/2023
13/9/2023
4.42%
4.52%
13/7/2023
3/8/2023
4.18%
4.27%
23/6/2023
13/7/2023
4.08%
4.16%
2/6/2023
23/6/2023
3.69%
3.76%
19/5/2023
2/6/2023
3.63%
3.70%
31/3/2023
19/5/2023
3.49%
3.55%
27/2/2023
31/3/2023
3.41%
3.47%
15/12/2022
27/2/2023
3.21%
3.26%
31/10/2022
15/12/2022
2.76%
2.80%
11/10/2022
31/10/2022
2.52%
2.55%
12/9/2022
11/10/2022
2.22%
2.25%
8/8/2022
12/9/2022
2.03%
2.05%
11/7/2022
8/8/2022
1.83%
1.85%
21/6/2022
11/7/2022
1.78%
1.80%
6/6/2022
21/6/2022
1.58%
1.60%
19/4/2022
6/6/2022
1.44%
1.45%
11/4/2022
19/4/2022
1.39%
1.40%
28/3/2022
11/4/2022
1.24%
1.25%
22/2/2022
28/3/2022
1.04%
1.05%
20/10/2021
22/2/2022
0.94%
0.95%
Access ISA pot
23/5/2024
-
4.48%
4.58%
20/10/2023
23/5/2024
4.96%
5.08%
18/10/2023
20/10/2023
4.72%
4.83%
13/9/2023
18/10/2023
4.32%
4.41%
3/8/2023
13/9/2023
3.92%
4.00%
13/7/2023
3/8/2023
3.68%
3.75%
28/6/2023
13/7/2023
3.25%
3.30%
31/5/2023
28/6/2023
2.95%
3.00%
19/5/2023
31/5/2023
2.47%
2.50%
25/4/2023
19/5/2023
2.47%
2.50%
1/8/2022
25/4/2023
2.12%
2.15%
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 interestis the rate of interest we apply to your money, before any tax is taken off.
Your money's secure
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.
The maximum amount you can save into your Smart Saver is £250,000.
If you’d like to save more than £250,000 with Zopa, you may wish to consider one of our Fixed Term Savings accounts.
Your total savings across all accounts you have with us are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000.
The Smart Saver account is app-only. You can only open a new Smart Saver account by heading to the Smart Savings Hub in our app.
Boosting is a feature of the Smart Saver account, which allows you to increase the interest rate you receive. In return for the extra interest, you need to give notice within the app before you can access your savings. The longer the notice period, the higher the interest rate.
If you have a Smart Saver account, you can create a Boosted pot by following the steps below:
Open a pot and give it a name.
Tap Boost or Increase Boost inside the pot.
Choose a notice period of 7, 31 or 95 days.
From that date onward, money in a Boosted pot will earn a higher interest rate.
When you need to access the money in a Boosted pot, simply:
Head to your Boosted pot and click Give notice.
Your pot will tell you when your savings will be available to access.
Once the notice period ends, your Boosted pot will become an Access pot, and you’ll be able to withdraw your savings to your nominated bank account or Boost again.
