Zopa Regular Saver: Closed to New Savers

Last updated: 6 September 2026

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What happened to the Zopa Regular Saver?

Zopa retired it. The pot used to pay 7.10% AER (variable) for six months on deposits of up to £300 a month, and it sat behind the Biscuit current account. During 2026 Zopa rebuilt both sides of the product range, so the regular saver disappeared from the line-up and the old URL now points at the easy access savings page instead.

Existing savers have not been turned off. My own pot still pays 7.10% AER and still takes its monthly deposit. However, you cannot open a new one, and Zopa has not said whether the current pots will be allowed to renew.

What Zopa pays now

Everything sits inside one Smart Saver account, split into pots. Consequently you can run several goals side by side without opening separate accounts.

• Access pots: 2.95% AER (2.91% gross, variable), withdraw any time, up to £250,000.
• Boosted pots: up to 3.55% AER (variable), with 7, 31 or 95 days' notice.
• Fixed-term pots: up to 4.65% AER, for terms from six months to five years.
• Access ISA: 3.25% AER (3.20% gross, variable), flexible, so replacing a withdrawal does not use up your allowance again.

Rates come from Zopa's own Smart Saver page, checked on 6 September 2026. Access and Boosted rates are variable; fixed-term rates hold for the term.

Where the best regular saver rates are now

Two accounts have taken Zopa's place, and both sit behind a current account.

Club Lloyds Monthly Saver, 8.00% AER fixed: twelve months on £25 to £250 a month, and unusually for a regular saver the withdrawals are unlimited and penalty-free. You need a Club Lloyds or Premier current account, and you cannot have opened a Monthly Saver in the previous twelve months. Club Lloyds costs £5 a month, refunded in full each month you pay in £2,000 or more, and the test is money paid in rather than a balance you keep. On top of the saver, the account gives you one lifestyle perk a year, with twelve months of Disney+ Standard With Ads among the choices.

First Direct Regular Saver, 7.00% AER fixed: twelve months on £25 to £300 a month, so £3,600 across the year. The lower rate on the bigger cap actually pays more in cash, about £136.50 by First Direct's own worked example. You need a first direct 1st Account, and withdrawing during the term costs you the headline rate.

Since you need the current account either way, the Lloyds route comes with something attached. Our Lloyds referral link pays £30 when you open a qualifying account, and the Monthly Saver is then a couple of taps away inside the app.

For the wider picture, our guide to the best UK savings accounts compares easy access, regular savers and fixed rates side by side.

Is there a Zopa sign-up bonus?

Yes, and it is back. Open a Biscuit current account through our referral link and make at least three card transactions within 30 days, and the bonus is £20. The steps and the current terms sit on our Zopa Biscuit referral page.

Get the £20 Zopa Biscuit bonus

Is the Biscuit account still worth opening?

It depends what you want from it. The account is free, it pays 1% AER (variable) as standard, and you then pick one benefit: 2.75% AER (variable) interest on your balance, 3% cashback on eating out, or 3% cashback on bills. Each cashback option is capped at £150 of spending a month, so £4.50 a month at most. There is a free Caffè Nero drink every month too.

Our Biscuit bank account review goes through it in full, and our is Zopa Biscuit safe piece covers the protection side.

Is Zopa safe?

Yes. The deposit-taker is Zopa Bank Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority under firm reference number 800542. Eligible deposits are protected up to £120,000 per eligible person per UK-authorised bank, building society or credit union by the FSCS (since 1 December 2025). That limit is shared across everything you hold with Zopa Bank.

Frequently asked questions

Can I still open the Zopa Regular Saver?

No. Zopa removed it from its range during 2026, so new pots cannot be opened. Existing pots are still running for now.

What replaced the 7.10% Zopa Regular Saver?

Nothing quite like it. Zopa's Smart Saver pots pay 2.95% AER with instant access, up to 3.55% AER with notice, or up to 4.65% AER fixed.

What is the best regular saver now?

First Direct's, at a fixed 7.00% AER for 12 months on up to £300 a month, provided you hold its current account.

Is there still a Zopa sign-up bonus?

Yes. The Zopa Biscuit referral pays £20 once you open the account and make three card transactions within 30 days.

More things like this:

• Zopa Biscuit referral: the live £20 offer and how to claim it.
• Best savings account UK: easy access, regular savers and fixed rates compared.
• Mortgage overpayment calculator: work out whether saving or overpaying wins.
• Chip app referral code: automatic saving with a sign-up bonus attached.
• Gift guide for a new home: for when the saving turns into moving.

This content is for information only and does not constitute financial advice. Rates and terms change at any time, so always check the latest details directly with Zopa before applying. CoolCuration is not authorised by the Financial Conduct Authority and does not offer personalised financial guidance, so consider speaking to a qualified adviser if you are unsure. This page contains affiliate or referral links, and we may earn a referral bonus if you sign up through an offer we link to, at no extra cost to you.

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