Fixed Rate

Zopa Fixed Term Pot (1 Year) Review

A competitive one-year fixed rate bond from Zopa. It ranks 22nd of 69 one-year fixed rate bonds we track.

Fixed rate · 1 year

4.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£250,000

Access

At maturity only

Interest paid

Monthly

How It Stacks Up

Ranks 22nd of 69

1-year fixed bonds we track

Above average
This account 4.65%
UK CPI (Aug 2026)
3.10%
Pays 1.55% more
Average 1-year fixed
4.47%
Pays 0.18% more
Best 1-year fixed
5.12%
Pays 0.47% less

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

Compare fixed bonds

Pros and cons

  • Pro: Savers who want a monthly income
  • Con: Your money is locked in for 1 year

Good to Know

You can choose to have your interest paid out each month or let it compound over time.

Please verify all details with the provider – see our Disclaimer

See all Zopa accounts

Estimated returns with Zopa's Fixed Rate

What you could earn with Zopa's Fixed Term Pot (1 Year).

Estimated interest

£1,000 saved

£46.50

At 4.65% AER

£5,000 saved

£232

At 4.65% AER

£10,000 saved

£465

At 4.65% AER

£250,000 saved

£11,625

At 4.65% 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 Fixed Term Pot (1 Year)

Jonny PeaseCo-Founder, DepositScout

Zopa's one-year fix pays 4.65%, which beats August 2026 CPI of 3.1% by 1.55%, so your money does grow in real terms. That said, it sits below the market average for fixed-rate accounts, and the best available across that category reaches 5.35%, leaving Zopa 0.70% behind. The genuine catch is no access until maturity, so only commit money you can lock away. If you want a one-year fix with a sharper rate, OakNorth Bank's Fixed Term 12 Months is worth a look at 4.96%.

2 alternatives to Zopa's Fixed Term Pot (1 Year)

Same type of account, closest on rate.

Common questions about the Fixed Term Pot (1 Year)

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
Live Market Tracking

Be the first to know when this Zopa rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time