Zopa Regular Saver: Closed to New Savers

Last updated: 15 October 2026

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Heads up: this page is for guidance only and does not constitute financial or savings advice. CoolCuration is not authorised by the Financial Conduct Authority. Rates change, terms vary, and tax may apply on savings interest above your Personal Savings Allowance.

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. So 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.
• Limited Access pot: up to 4.56% AER (variable) if you make no more than three withdrawals; a fourth withdrawal drops the rate to 2.00% AER.
• 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. Access and Boosted rates are variable; fixed-term rates hold for the term.

Where to find a higher regular saver rate now

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

First Direct Regular Saver, 7.00% AER fixed: twelve months on £25 to £300 a month, so up to £3,600 across the year. Save the full £300 every month and First Direct’s own example pays £136.50 in interest. You need a first direct 1st Account.

Club Lloyds Monthly Saver, 6.25% AER fixed: twelve months on £25 to £250 a month, and unusually for a regular saver the withdrawals are unlimited and charge-free. You need a Club Lloyds current account, and you cannot have opened a Monthly Saver in the previous twelve months. Lloyds paid 8.00% on this account earlier in 2026, so First Direct now pays the higher rate.

If you choose Lloyds, our Lloyds referral link pays £30 when you open a qualifying current account.

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. 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?

Of the two above, First Direct’s pays more: a fixed 7.00% AER for 12 months on up to £300 a month, provided you hold its current account. Club Lloyds pays 6.25% AER.

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.

Link last checked on 15 October 2026.

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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 article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don’t choose what I feature or what I say about them.

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