Easy AccessAvailable to new customers

Zopa Limited Access Savings Review

One of the best-paying easy access accounts, from Zopa. It ranks 2nd of 146 easy access accounts we track.

Variable rate

4.56%AER

Then 3.50% after 12 months

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£250,000

Access

Instant

Interest paid

Monthly

The Rate You'll Get

New customers

Bonus
4.56%AER

Includes a 1.06% boost for 12 months

Standard rate (after 12 months)

3.50%AER

How It Stacks Up

Ranks 2nd of 146

Easy access accounts we track

Among the best
This account 4.56%
UK CPI (Aug 2026)
3.10%
Pays 1.46% more
Average easy access
2.80%
Pays 1.76% more
Best easy access
5.00%
Pays 0.44% less

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

Compare easy access

A Good Fit For

  • Pro: Savers who want instant access
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: Rate drops to 3.50% after 12 months
  • Con: The rate is variable, so it can go down
  • Con: Only open to people new to Zopa

Good to Know

The 12-month variable bonus applies to the first £50,000, that is available to new savings customers who opened on or after 16 June 2026, or opened before that date but have not yet deposited any money.

Please verify all details with the provider – see our Disclaimer

See all Zopa accounts

Estimated returns with Zopa's Easy Access

What you could earn with Zopa's Limited Access Savings.

Estimated interest

£1,000 saved

£45.60

At 4.56% AER

£5,000 saved

£228

At 4.56% AER

£10,000 saved

£456

At 4.56% AER

£250,000 saved

£11,400

At 4.56% 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 Limited Access Savings

Jonny PeaseCo-Founder, DepositScout

Zopa's Limited Access Savings pays 4.56%, which is above the easy access market average but 0.44% behind the category leader at 5.00%, so it is decent without being the best available. The 4.56% rate includes a 1.06% bonus for 12 months on the first £50,000, dropping to a base rate of 3.50% after that, and it is only open to new customers. At 1.46% above August 2026 CPI of 3.1% the real return is positive, but the genuine catch is the withdrawal limit: exceed three withdrawals in a 12-month period and the rate falls until your next pot anniversary.

2 alternatives to Zopa's Limited Access Savings

Same type of account, closest on rate.

Common questions about the Limited Access Savings

D

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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%
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