Fixed Rate

Zopa Fixed Term Pot (5 Years) Review

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

Fixed rate · 5 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 38th of 38

5-year fixed bonds we track

Well below average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average 5-year fixed
4.74%
Pays 0.94% less
Best 5-year fixed
5.35%
Pays 1.55% 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 5 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 (5 Years).

Estimated interest

£1,000 saved

£205

At 3.8% AER

£5,000 saved

£1,025

At 3.8% AER

£10,000 saved

£2,050

At 3.8% AER

£250,000 saved

£51,250

At 3.8% AER

Estimated over the 60-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 (5 Years)

Jonny PeaseCo-Founder, DepositScout

Zopa's five-year fixed pot pays 3.80%, which sits below the market average for fixed-rate savings and 1.55% behind the current category leader at 5.35%. It does beat August 2026 CPI of 3.1% by 0.70%, so your money grows in real terms, but if you are willing to lock away cash for five years I would look hard at Chetwood Bank's 5 Year Fixed Rate Savings at 5.20% before committing here. The real catch is straightforward: no access until maturity, so only use this for money you are certain you will not need.

2 alternatives to Zopa's Fixed Term Pot (5 Years)

Same type of account, closest on rate.

Common questions about the Fixed Term Pot (5 Years)

D

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