Easy Access

Zopa Access Pot Review

A competitive easy access account from Zopa. It ranks 86th of 152 easy access accounts we track.

Variable rate

2.95%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£250,000

Access

Instant

Interest paid

Monthly

How It Stacks Up

Ranks 86th of 152

Easy access accounts we track

Above average
This account 2.95%
UK CPI (Aug 2026)
3.10%
Pays 0.15% less
Average easy access
2.83%
Pays 0.12% more
Best easy access
5.00%
Pays 2.05% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.60% more than this Zopa account
  • Instant access, open with £10
Compare Easy Access Accounts

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: The rate is variable, so it can go down

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Estimated returns with Zopa's Easy Access

What you could earn with Zopa's Access Pot.

Estimated interest

£1,000 saved

£29.50

At 2.95% AER

£5,000 saved

£148

At 2.95% AER

£10,000 saved

£295

At 2.95% AER

£250,000 saved

£7,375

At 2.95% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Zopa Access Pot

Jan WatermannCo-Founder, DepositScout

The Zopa Access Pot pays 2.95%, which is below the easy access market average and 2.05% behind the category leader at 5.00%, so this is not a rate I would choose on performance alone. It also sits 0.15% below August 2026 CPI of 3.1%, meaning your money is losing purchasing power in real terms. The account tracks the Bank of England base rate, so the rate will move with any future cuts. If you want easy access and a better return, Spring Easy Saver at 3.82% or Tandem Bank Instant Access Saver at 3.40% are worth a look first.

2 alternatives to Zopa's Access Pot

Same type of account, closest on rate.

Common questions about the Access Pot

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
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