Savings from Zopa
Looking for the right savings account? With Smart Saver, you can choose from easy access, limited access, fixed term, tax-free Cash ISAs and more – all in one app.
Sweeter savings in a few taps
Download the Zopa app today and start building your healthy savings habit – it only takes a few minutes.
Rated Excellent based on 30,000+ reviews
Earn 4.56% AER with our new Limited Access pot
Earn a high rate when you make no more than three withdrawals in 12 months.
Make a fourth withdrawal and your rate will drop to 2.00% AER* (1.98% gross**) variable until your next pot anniversary.
4.56% AER* (4.46% gross**) variable is exclusive to new savings customers. It includes a 12-month 1.06% AER* (1.05% gross**) variable bonus on the first £50,000 in your pot. Any money above £50,000 will earn 3.50% AER* (3.44% gross**) variable.
If you're an existing savings customer, you'll earn 3.50% AER* (3.44% gross**) variable on your full pot balance.
Explore Limited Access pots
Savings that get the seal of approval
Best Savings Provider – British Bank Awards 2026
Best Savings App – Moneynet 2026
Best App Based Savings Provider – MoneyComms 2024
Smart Saver – the savings account with multiple pots
Smart Saver is a savings account with pots for different goals, so you can organise your money the way you want. From instant access to fixed returns and tax-free savings, it’s all in one account, managed easily in the Zopa app.
Compare Zopa savings pots interest rates
See how our savings pots stack up, so you can choose the rate and access that works best for you.
| Pot name | Withdraw anytime | Fixed rate | Interest rates AER* (gross**) |
|---|---|---|---|
| Access | check | close | 2.95% (2.91%) |
| Limited Access† | check | close | Up to 4.56% (Up to 4.46%) |
| Boosted | close | close | Up to 3.55% (Up to 3.49%) |
| Fixed Term | close | check | Up to 4.85% (Up to 4.74%) |
Data correct as of 14 September 2026. Take a look at all of our savings interest rates.
*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.
Access pot rates are variable, which means they could change in the future.
†Limited Access pot rates are variable, which means they could change in the future. 4.56% AER is available to customers who opened an account on or after 16 June 2026, or who opened an account before 16 June 2026 but haven't added money yet. It includes a 12-month 1.06% AER* (1.05% gross**) variable bonus rate on the first £50,000. Savings above that will earn 3.50% AER* (3.44% gross**) variable. Existing savings customers will earn 3.50% AER* (3.44% gross**) variable on their full pot balance. If you withdraw more than three times in 12 months, your rate will drop to 2.00% AER* (1.98% gross**) variable until your next pot anniversary – this applies to all customers.
Boosted pot rates are tied to the Bank of England base rate. If the base rate changes, your Boosted pot rates will change by the same amount.
Fixed Term pot rates are fixed for the duration of your chosen term.
Find the best savings pots for your goals
Whatever you’re saving for – a rainy-day fund, a holiday, or something bigger – Smart Saver has a pot for it.
Easy access savings
With Access pots, you can top up and withdraw anytime – with no notice or penalties. You’ll earn a 2.95% AER (2.91% gross) variable on your balance with full flexibility.
Got a lump sum sitting idle? Move it into an Access pot and start earning interest straight away instead of leaving it in a zero-interest account.
Easy access savings
Limited access savings
Limited Access pots pay a higher rate for savings you don't need to dip into often.
You can make up to three withdrawals in 12 months to keep your higher rate. Make a fourth withdrawal and your rate will drop until your next pot anniversary.
Limited Access pots provide the best of both worlds – a high interest rate and access to your money when you need it.
Limited access savings
Fixed Term savings
With Fixed Term pots you lock your money away for a set period, from 6 months up to 5 years. In return, you get a guaranteed rate that won’t change – a simple, stress-free way to know exactly how much interest you’ll earn.
They’re ideal for longer-term goals.
Fixed term savings
Notice savings accounts
Boosted pots are our notice savings options. You pick how many days' notice you want to give before taking money out – 7, 31 or 95 days. The longer your notice period, the higher your rate.
These pots are perfect for savings you can plan ahead for, like a holiday or annual bills.
Smart tools to help your savings grow with Zopa bank
The Zopa app makes it easy to stay on track with your goals, whether you’re building a rainy-day fund, planning a holiday, or saving for something bigger.
Automate your monthly saving habit
Use our auto-save tool to hit your goals effortlessly. Select how much you want to transfer to your savings, and how often, and we'll take care of the rest. You can skip or adjust anytime. You set the goals. We do the work.
Get your full savings picture
See your full savings spread – every pot, every bit of interest you’ve earned so far – all in one place. The Save & Invest tab shows how your money’s stacking up and how close you are to hitting your goals.
Savings aren’t the only way to earn interest
With a Biscuit bank account, you’ll earn 1% AER* (1% gross**) variable interest on your balance as standard. Choose extra interest as your additional benefit and earn 2.75% AER* (2.72% gross**) variable in total — including your standard 1% AER.
Biscuit current accountZopa 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.
Download the Zopa app to get started
You can open a savings account from your phone in minutes.