Fixed Rate

Zopa Fixed Term Pot (3 Years) Review

A three-year fixed rate bond from Zopa. It ranks 45th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.00%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 45th of 46

3-year fixed bonds we track

Well below average
This account 4.00%
UK CPI (Aug 2026)
3.10%
Pays 0.90% more
Average 3-year fixed
4.66%
Pays 0.66% less
Best 3-year fixed
5.18%
Pays 1.18% 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 3 years

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 (3 Years).

Estimated interest

£1,000 saved

£125

At 4% AER

£5,000 saved

£624

At 4% AER

£10,000 saved

£1,249

At 4% AER

£250,000 saved

£31,216

At 4% AER

Estimated over the 36-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 (3 Years)

Jonny PeaseCo-Founder, DepositScout

Zopa's three-year Fixed Term Pot pays 4.00%, which sits below the market average for fixed-rate accounts and 1.35% behind the current market leader at 5.35%. It does beat CPI inflation of 3.1% by 0.90%, so your money grows in real terms, but if rate matters most, Afin Bank's 3-Year Fixed Term Account is paying 4.86% for the same term. The real catch here is the usual one for fixed bonds: no access until maturity, so only commit money you genuinely will not need for three years.

2 alternatives to Zopa's Fixed Term Pot (3 Years)

Same type of account, closest on rate.

Common questions about the Fixed Term Pot (3 Years)

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