Before you apply
- New savings customers only: a Zopa savings account opened on or after 16 June 2026, or opened earlier but never paid into. Everyone else earns 3.50% AER variable. One pot at a time. Joint accounts are not allowed.
- Up to 3 withdrawals in each 12 months from the date the pot was opened keep this rate.
- A 4th withdrawal in those 12 months drops the rate to 2.00% AER variable until the pot's anniversary.
- The 1.06% variable bonus applies to the first £50,000 only. Money above that earns 3.50% AER variable.
What you'd earn in a year
If you save
- Interest at 4.56% AER on the first £50,000, then 3.50% AER on the part above £50,000
- £228.00
- About
- £228.00
Before tax: about £228 a year on £5,000. Information only, not a recommendation.
Is my money safe?
FSCS protected: up to £120,000 per person, per banking licence.
This account is on the Zopa Bank Ltd licence.
Legal name: Zopa Bank Ltd.
Check protection on the FSCS website ↗ (opens in a new tab)Key facts
Money in and out
- Minimum deposit
- £1
- Maximum
- £250,000
- Withdrawals
- 3 withdrawals a year
- Manage
- App only
Interest
- Rate
- 4.56% AER variable
- Gross rate
- 4.46%
- Includes bonus
- 1.06% for 12 months
- Rate after bonus
- 3.50% AER
- Interest paid
- Monthly
Who can open it
- New customers
- New customers only
Source: zopa.com · Last verified 20 Oct 2026, 15:40 UK time
Rate history
We started tracking this account on 20 Oct 2026. Further changes will show here.
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