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Zopa Bank

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

App-only challenger bank. Cash ISA Access pots 3.25% AER standard; a 1-year Fixed Term ISA pays up to 4.50%. Easy-access Access pots 2.95% AER; notice pots pay 3.08–3.55%. Regular Saver promo 7.1% AER for 6 months, capped at £300/month deposit, and requires a Zopa Biscuit current account. Fixed-rate 1-year 4.55%. FSCS protected.

Products tracked

What works
  • High Regular Saver promotional rate (7.1% AER for 6 months, £300/mo cap, needs a Biscuit current account)
  • Cash ISA Access pots at 3.25% AER standard; 1-year fixed pots at 4.55%
  • Pots system lets you split balances across access, notice and fixed pots
  • FSCS deposit cover up to £120,000 (from 1 Dec 2025)
What to watch
  • Regular saver capped at £300/month and gated on the Biscuit current account
  • App-only — no branches, phone support limited
  • Higher savings rates need notice or fixed pots — instant-access Access pots pay 2.95%

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

FSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 18 Aug 2026
https://www.zopa.com/savings/interest-rates →

Access pots 2.95% AER instant access; notice pots 3.08–3.55%. Access ISA pots 3.25% AER (zopa.com/isas/cash-isa); Fixed Term ISA up to 4.50% (1 year). Fixed Term pot 1-year 4.55%. 7.1% Regular Saver (6 months, £300/mo, needs a Zopa Biscuit current account) — engine excludes from regular-savings offers because the cap distorts a flat-balance projection.

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Zopa Bank appears here under nominative fair-use as identification of a UK financial product.