Zopa Bank rates: up to 4.90% AER
neobank · FRN 800542 · www.zopa.com
Easy access
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Access pot | 2.95% | AER | 2026-11-01 | since 2026-11-01 | ||
| Limited Access pot | new customers: 12-month bonus on the first £50,000 · bonus | 4.56% | AER | 2026-11-01 | since 2026-11-01 | |
| Limited Access pot | existing customers, or savings above £50,000 | 3.50% | AER | 2026-11-01 | since 2026-11-01 | |
| Limited Access pot | after a fourth withdrawal in 12 months, until the next pot anniversary | 2.00% | AER | 2026-11-01 | since 2026-11-01 |
Fixed rate bonds
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Fixed Term pot | 6 months · up to £250,000 · fixed | 4.65% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term pot | 1 year · up to £250,000 · fixed | 4.90% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term pot | 2 years · up to £250,000 · fixed | 4.72% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term pot | 3 years · up to £250,000 · fixed | 4.75% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term pot | 4 years · up to £250,000 · fixed | 4.80% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term pot | 5 years · up to £250,000 · fixed | 4.80% | AER | 2026-11-01 | since 2026-11-01 |
Notice accounts
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Boosted pot | 95 days' notice, the longest offered · 95 days' notice · tracker | 3.55% | AER | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.zopa.com/savings/fixed-term-savings | 2026-11-01 12:21 UTC | ok | b51416e66d92 |
| www.zopa.com/savings | 2026-11-01 12:21 UTC | ok | 31d332dcac81 |