Fixed Rate

Zopa Fixed Term Pot (2 Years) Review

A two-year fixed rate bond from Zopa. It ranks 38th of 63 two-year fixed rate bonds we track.

Fixed rate · 2 years

4.50%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 38th of 63

2-year fixed bonds we track

Below average
This account 4.50%
UK CPI (Aug 2026)
3.10%
Pays 1.40% more
Average 2-year fixed
4.61%
Pays 0.11% less
Best 2-year fixed
5.16%
Pays 0.66% 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 2 years

Good to Know

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

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Estimated returns with Zopa's Fixed Rate

What you could earn with Zopa's Fixed Term Pot (2 Years).

Estimated interest

£1,000 saved

£92.02

At 4.5% AER

£5,000 saved

£460

At 4.5% AER

£10,000 saved

£920

At 4.5% AER

£250,000 saved

£23,006

At 4.5% AER

Estimated over the 24-month term, 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 (2 Years)

Jan WatermannCo-Founder, DepositScout

Zopa's Fixed Term Pot pays 4.50% over two years, which beats CPI inflation of 3.1% by 1.40%, but it sits below the market average for fixed-rate accounts and 0.85% behind the category leader at 5.35%. The real catch is that your money is completely locked until maturity, with no access whatsoever. If you want a two-year fix, Kent Reliance's 2 Year Fixed Rate Bond at 4.91% is worth a look, and you get 30 days from opening to top up your balance here before the rate locks in.

2 alternatives to Zopa's Fixed Term Pot (2 Years)

Same type of account, closest on rate.

Common questions about the Fixed Term Pot (2 Years)

D

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