Zopa savings rates — compare every account, plus switch offers and guides

Who they are

Zopa began as the world's first peer-to-peer lending company in 2005 and gained a full banking licence in 2020. The peer-to-peer side of its business closed in December 2021 , leaving it fully focused on banking. It is now trusted by over 1.5 million people across the UK. In 2025, Zopa launched its Biscuit current account - a fee-free account that bundles everyday banking with savings and a regular saver, all managed through the app. Your deposits are protected by the FSCS up to £120,000, which is higher than the standard £85,000 limit - worth noting if you hold larger balances.

Savings accounts

Zopa's savings range is one of the broader app-bank offerings around. The standout is the Biscuit Current Account's regular saver, currently paying 7.10% AER variable - but read the small print before getting carried away. It only runs for six months, so the real interest earned if you max it at £300 a month works out at around £36, not the four-figure sum the headline might imply.

For flexible savings, the Access Pot pays 2.95% AER variable from £1. If you can give a little notice, the Boosted Pot steps up: 3.08% at 7 days, 3.20% at 31 days, and 3.55% at 95 days.

Fixed-rate savers get the most competitive rates. The 1-year and 2-year Fixed Term Pots both pay 4.55% AER, with no access until maturity. The 3-year and 4-year terms pay 4.00%, and the 5-year sits at 3.80%.

The Smart ISA wraps all of this in a tax-free structure. The easy-access ISA pot pays 3.25% AER variable. Fixed ISA terms run from 1 year at 4.65% right through to 5 years at 3.80%, with a minimum of just £1 to open.

All rates are variable unless stated as fixed - and all products carry FSCS protection up to £120,000.

Is it right for you?

Zopa suits savers who want a single app to handle both day-to-day banking and their savings pots. The fixed-rate ISA in particular is competitive, and the range of notice and fixed accounts gives you genuine flexibility depending on when you might need your money. The regular saver headline is eye-catching, but factor in the six-month term and monthly cap before making it the centrepiece of your plan.

There are no switch offers currently available from Zopa, so if a cash bonus is your main motivation for moving, it may be worth comparing elsewhere first.

As ever, the rates shown above change over time - check the live figures on this page before you apply to make sure you're seeing the current numbers.