Our past Smart Savings Hub rates

Here's a list of all the changes we've made to the interest rates on our Smart Savings Hub products over time, excluding any bonus rates.

To check what interest rate you're currently earning, simply head to your Smart Savings Hub in the Zopa app.

Effective date

Start

End

Monthly interest rate (%)

Gross

AER

Access pot

7/2/2025
-
3.68%
3.75%
8/11/2024
7/2/2025
3.97%
4.05%
5/8/2024
8/11/2024
4.21%
4.30%
13/9/2023
5/8/2024
4.44%
4.54%
3/8/2023
13/9/2023
4.19%
4.28%
13/7/2023
3/8/2023
3.95%
4.03%
23/6/2023
13/7/2023
3.85%
3.92%
2/6/2023
23/6/2023
3.46%
3.52%
19/5/2023
2/6/2023
3.40%
3.46%
31/3/2023
19/5/2023
3.29%
3.34%
3/3/2023
31/3/2023
3.16%
3.21%
27/2/2023
3/3/2023
3.02%
3.07%
15/12/2022
27/2/2023
2.82%
2.86%
31/10/2022
15/12/2022
2.37%
2.40%
11/10/2022
31/10/2022
2.12%
2.15%
12/9/2022
11/10/2022
1.83%
1.85%
8/8/2022
12/9/2022
1.79%
1.81%
11/7/2022
8/8/2022
1.48%
1.50%
21/6/2022
11/7/2022
1.39%
1.40%
6/6/2022
21/6/2022
1.29%
1.30%
19/4/2022
6/6/2022
1.19%
1.20%
11/4/2022
19/4/2022
1.14%
1.15%
28/3/2022
11/4/2022
0.99%
1.00%
22/2/2022
28/3/2022
0.71%
0.72%
20/10/2021
22/2/2022
0.59%
0.60%

7-day Boosted pot

7/2/2025
-
3.76%
3.83%
8/11/2024
7/2/2025
4.00%
4.08%
5/8/2024
8/11/2024
4.24%
4.33%
13/9/2023
5/8/2024
4.47%
4.57%
3/8/2023
13/9/2023
4.23%
4.32%
13/7/2023
3/8/2023
3.99%
4.07%
23/6/2023
13/7/2023
3.89%
3.96%
2/6/2023
23/6/2023
3.50%
3.56%
19/5/2023
2/6/2023
3.44%
3.50%
31/3/2023
19/5/2023
3.32%
3.38%
3/3/2023
31/3/2023
3.20%
3.25%
27/2/2023
3/3/2023
3.07%
3.12%
15/12/2022
27/2/2023
2.87%
2.91%
31/10/2022
15/12/2022
2.42%
2.45%
11/10/2022
31/10/2022
2.17%
2.20%
12/9/2022
11/10/2022
1.88%
1.90%
8/8/2022
12/9/2022
1.83%
1.85%
11/7/2022
8/8/2022
1.53%
1.55%
21/6/2022
11/7/2022
1.44%
1.45%
6/6/2022
21/6/2022
1.34%
1.35%
19/4/2022
6/6/2022
1.24%
1.25%
11/4/2022
19/4/2022
1.19%
1.20%
28/3/2022
11/4/2022
1.04%
1.05%
22/2/2022
28/3/2022
0.74%
0.75%
20/10/2021
22/2/2022
0.64%
0.65%

31-day Boosted pot

7/2/2025
-
3.88%
3.95%
8/11/2024
7/2/2025
4.12%
4.20%
5/8/2024
8/11/2024
4.36%
4.45%
13/9/2023
5/8/2024
4.55%
4.65%
3/8/2023
13/9/2023
4.33%
4.42%
13/7/2023
3/8/2023
4.09%
4.17%
23/6/2023
13/7/2023
3.98%
4.06%
2/6/2023
23/6/2023
3.60%
3.66%
19/5/2023
2/6/2023
3.54%
3.60%
31/3/2023
19/5/2023
3.39%
3.45%
3/3/2023
31/3/2023
3.26%
3.31%
27/2/2023
3/3/2023
3.22%
3.27%
15/12/2022
27/2/2023
3.01%
3.06%
31/10/2022
15/12/2022
2.56%
2.60%
11/10/2022
31/10/2022
2.32%
2.35%
12/9/2022
11/10/2022
2.03%
2.05%
8/8/2022
12/9/2022
1.93%
1.95%
11/7/2022
8/8/2022
1.63%
1.65%
21/6/2022
11/7/2022
1.58%
1.60%
6/6/2022
21/6/2022
1.44%
1.45%
19/4/2022
6/6/2022
1.34%
1.35%
11/4/2022
19/4/2022
1.29%
1.30%
28/3/2022
11/4/2022
1.14%
1.15%
22/2/2022
28/3/2022
0.84%
0.85%
20/10/2021
22/2/2022
0.74%
0.75%

95-day Boosted pot

7/2/2025
-
4.12%
4.20%
8/11/2024
7/2/2025
4.36%
4.45%
5/8/2024
8/11/2024
4.60%
4.70%
13/9/2023
5/8/2024
4.69%
4.80%
3/8/2023
13/9/2023
4.42%
4.52%
13/7/2023
3/8/2023
4.18%
4.27%
23/6/2023
13/7/2023
4.08%
4.16%
2/6/2023
23/6/2023
3.69%
3.76%
19/5/2023
2/6/2023
3.63%
3.70%
31/3/2023
19/5/2023
3.49%
3.55%
27/2/2023
31/3/2023
3.41%
3.47%
15/12/2022
27/2/2023
3.21%
3.26%
31/10/2022
15/12/2022
2.76%
2.80%
11/10/2022
31/10/2022
2.52%
2.55%
12/9/2022
11/10/2022
2.22%
2.25%
8/8/2022
12/9/2022
2.03%
2.05%
11/7/2022
8/8/2022
1.83%
1.85%
21/6/2022
11/7/2022
1.78%
1.80%
6/6/2022
21/6/2022
1.58%
1.60%
19/4/2022
6/6/2022
1.44%
1.45%
11/4/2022
19/4/2022
1.39%
1.40%
28/3/2022
11/4/2022
1.24%
1.25%
22/2/2022
28/3/2022
1.04%
1.05%
20/10/2021
22/2/2022
0.94%
0.95%

Access ISA pot

7/2/2025
-
3.73%
3.80%
8/11/2024
7/2/2025
3.97%
4.05%
5/8/2024
8/11/2024
4.21%
4.30%
23/5/2024
5/8/2024
4.48%
4.58%
20/10/2023
23/5/2024
4.96%
5.08%
18/10/2023
20/10/2023
4.72%
4.83%
13/9/2023
18/10/2023
4.32%
4.41%
3/8/2023
13/9/2023
3.92%
4.00%
13/7/2023
3/8/2023
3.68%
3.75%
28/6/2023
13/7/2023
3.25%
3.30%
31/5/2023
28/6/2023
2.95%
3.00%
19/5/2023
31/5/2023
2.47%
2.50%
25/4/2023
19/5/2023
2.47%
2.50%
1/8/2022
25/4/2023
2.12%
2.15%

Definitions

AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead.

Gross interest is the rate of interest we apply to your money, before any tax is taken off.

Your money's secure

Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.

Please ask for further information or visit www.fscs.org.uk

People often ask us