The Zopa account
Earn more, effortlessly, with a bank account built to offer serious value.
7.50% AER* exclusive savings rate.
2.00% AER* interest on your balance.
2% cashback on up to £1,500 of Direct Debits per year.
These rates are fixed for 12 months from the date you open an account.
Applying for our bank account is quick and simple. It’s all done in our app, so you could be spending and earning in just 5 minutes.
Apply nowUK tax residents aged 18+ only.
Earn more, effortlessly
With interest on your balance, cashback on Direct Debits and an exclusive savings pot, our bank account is built to deliver serious value. Plus, all rates are fixed for at least a year.
An exclusive 7.50% AER savings rate
Unlock our Regular Saver pot with an exclusive 1-year fixed rate of 7.50% AER* (7.25% gross**). You can pay in £300 a month and earn up to £146 a year.
2.00% AER interest on your balance
We'll pay 2.00% AER* (1.98% gross**) on the money in your account — with no limit on the interest you can earn. This rate is fixed for 12 months and variable after that.
2% cashback on Direct Debits
Earn 2% cashback on up to £1,500 of Direct Debits per year. We'll guarantee this rate for at least 12 months.
*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. We provide an AER to make it easier for you to compare our rates with other providers.
**We pay gross interest, which means nothing is deducted for tax.
Heads up — we’re in a beta phase
We’ve given you early access to our account. There are a few things you can’t do just yet, like have your salary paid in directly. But don’t worry, we’re working hard to launch new features as quickly as possible.
Find out more
Your limited-edition card
As one of our very first bank account customers, you’ll add a splash of colour to your purse, pocket or wallet with an exclusive, limited-edition card design.
Apply now
Open your free account
Despite these great rates, our account is free to open and there are no monthly charges. You can also make purchases with your debit card fee-free when abroad. Visa exchange rates will apply, head here for more detail.
Open an account
Your money's protected
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.
Pay using your iPhone with Apple Pay
Pay quickly and easily with your Zopa debit card using your iPhone or Apple Watch.
Learn more
We've got you covered
Customer support 7-days a week.
Rated 'Excellent' on TrustPilot.
FCA & PRA regulated.
No gimmicks, real value
You don't need to worry about sneaky small print or incentives that disappear once your account is open. In fact, we'll guarantee your rates for a whole year.
Learn more about how we’re able to offer serious value with no funny business.
Find out moreStart earning today
Applying is simple. It's all in done in our app in as little as 5 minutes.
Apply nowUK tax residents aged 18+ only.