Earn 7.10% AER on your regular savings

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Enjoy 7.10% AER* (variable) on regular savings – up to £300 a month
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Top-rated for regular savings by MoneySavingExpert
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Named "one of the most competitive Regular Saver accounts" by Which?

Exclusively available to Biscuit current account customers.

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Trusted by

1.5 million+ customers

You're just a few taps away from sweeter savings

Open a Biscuit current account in the Zopa app to get access to your 7.10% AER* (variable) Regular Saver – it only takes a few minutes.

Rated Excellent based on 30,000+ reviews

*AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you could 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. Tax treatment depends on your individual circumstances and may be subject to change.

Start a new savings habit with our Regular Saver

A steady, no-fuss way to grow your savings – ideal for setting aside money regularly.
Easy access to your money when needed so your savings stay flexible.
Perfect for holidays and big purchases – or building a rainy-day fund.

How Regular Saver works

Earn 7.10% AER (6.87% gross) variable for 6 months, with the option to renew if available.
You can save up to £300 a month and withdraw your money anytime.
Interest is calculated daily and paid monthly, meaning your savings keep growing every day.

Biscuit bank card on a plate of biscuits and a mug of tea

How to open a 7.10% AER Regular Saver

Already have Biscuit? Open a Smart Saver account in the Zopa app. You can do this in minutes from the 'Apply' tab. Once you have a Smart Saver account, you can open a Regular Saver.

New to Biscuit? Download the Zopa app and open a Biscuit account first – it only takes 5 minutes.

Regular Saver is available exclusively with Biscuit

Biscuit, the UK’s best free current account for overall value, gives you exclusive access to the 7.10% AER* (variable) Regular Saver.

With Biscuit, you could earn £192† a year through cashback and interest – plus, there's fee-free spending abroad with your Biscuit card.

Biscuit bank account

†The £192 figure is made up of £30 cashback, based on earning 2% on up to £125 per month of household bills paid by Direct Debit, and £89.20 in interest based on the average UK current account balance of £4,460 earning 2% AER (1.98% gross). It also includes £72.92 in interest from two consecutive 6-month Regular Saver accounts paying 7.10% AER (6.87% gross), assuming you save the full £300 each month.

Other ways to save with Zopa

Access pots

Great if you already have savings or want to deposit large sums. Access your money anytime, with no penalties or notice periods.

Boosted pots

Ideal if you can give notice before withdrawing as you get higher rates for longer commitments.

Fixed Term pots

Enjoy guaranteed returns – a good option when your savings goals are longer-term (between 6 months and 5 years).

Zopa Savings account

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With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.

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Who can open a Biscuit bank account?

To access the 7.10% AER* (variable) Regular Saver, you’ll need to open a Biscuit current account in the Zopa app.

To open a Biscuit bank account, you’ll need to:

Be a UK resident
Be aged 18 or over
Have a UK mobile number and email address
Have a UK current account in your name (to make transfers)

Biscuit is a digital bank account – managed entirely in the Zopa app on iOS and Android.

Learn more about Biscuit eligibility.

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.

FAQs – Regular Saver with Biscuit

A Regular Saver pot is a savings pot that’s exclusive to customers with a Zopa bank account. It’s part of the Smart Savings Hub and encourages healthy savings habits by offering a higher interest rate on deposits of up to £300 a month.

You can check the rate you're earning at any time in the Zopa app. Interest is calculated daily and paid into your pot once a month. As your balance increases each month, your interest payments will too.

Unless we've told you otherwise, your Regular Saver pot will have a 6-month term. When this term ends, your money will be moved to an Access pot where it'll earn the interest rate available on Access pots at that time. You can then open a new 6-month Regular Saver pot, if it's available at the time.

Am I eligible to open a Regular Saver pot?

To open a Regular Saver pot, you'll need to:

Be aged 18 or over. 
Be a UK resident and only have tax residency in the UK (which excludes the Channel Islands and the Isle of Man).
Have a Zopa bank account.
Have a Zopa Smart Saver account.

How do I open a Regular Saver pot?

To open a Regular Saver pot, you first need to have a Zopa bank account.

Then, if you already have a Smart Saver account:

Open the Zopa app and head to your Smart Savings Hub.
Tap 'Open a pot' and select the 'Regular Saver pot' option.
Follow the instructions on your screen to finish opening a pot and adding money.

If you don’t have a Smart Saver account:

Open the Zopa app and head to the Apply tab.
Select the savings option and follow the steps to apply for a Smart Saver account.
Once your account is open, go to your Smart Savings Hub and tap 'Open a pot'.
Click 'Regular Saver pot' and follow the instructions on your screen to finish opening a pot and adding money.

Is there a minimum deposit required to open a Regular Saver pot?

There’s no minimum deposit to open a Regular Saver pot, however, you need to have a Zopa bank account and a Smart Saver first, which requires a minimum deposit of £1.

Can I have more than one Regular Saver?

With Zopa, you can only have one Regular Saver pot. However, you can open as many additional savings pots as you like through your Smart Saver.

Create personalised pots for your different goals, whether that's a summer holiday, house deposit or emergency fund, to keep your savings organised and easy to manage.

Is the rate guaranteed?

Unless we've told you otherwise, the rate you'll earn on your Regular Saver pot is variable, which means it could go up or down. We usually review it when the Bank of England base rate changes, and we’ll always let our customers know if we make any updates.

Yes, you can withdraw money from your Regular Saver pot anytime. You can also withdraw and replace money within the same monthly allowance period. However, if you withdraw more than £300 in a month, you’ll still only be able to deposit up to £300 that month.

For example, if you have £1,000 in your Regular Saver pot and withdraw £500 in a month, you’ll only be able to replace up to £300 that month. This means you’ll have £800 left in your Regular Saver pot.

Start saving today

Earn 7.10% AER (variable) with Regular Saver, plus enjoy all the tasty benefits of Biscuit – the UK's best free current account for everyday value.

Just download the Zopa app to get started.