Fixed Rate

Zopa Fixed Term Pot (4 Years) Review

A four-year fixed rate bond from Zopa. It ranks 7th of 7 four-year fixed rate bonds we track.

Fixed rate · 4 years

3.80%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 7th of 7

4-year fixed bonds we track

Well below average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average 4-year fixed
4.64%
Pays 0.84% less
Best 4-year fixed
5.17%
Pays 1.37% 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 4 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 (4 Years).

Estimated interest

£1,000 saved

£161

At 3.8% AER

£5,000 saved

£804

At 3.8% AER

£10,000 saved

£1,609

At 3.8% AER

£250,000 saved

£40,221

At 3.8% AER

Estimated over the 48-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 (4 Years)

Jan WatermannCo-Founder, DepositScout

Zopa's four-year Fixed Term Pot pays 3.80%, which is below the market average for fixed-rate savings and sits 1.55% behind the current market leader at 5.35% across all terms. For context, it does at least beat August 2026 CPI inflation of 3.1% by 0.70%, so your money keeps some real value, but savers willing to shop around can do considerably better, with Aldermore's four-year fix at 5.17% for instance. The bigger catch here is that access is completely locked until maturity, so this suits only those certain they will not need the money for four years.

2 alternatives to Zopa's Fixed Term Pot (4 Years)

Same type of account, closest on rate.

Common questions about the Fixed Term Pot (4 Years)

D

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