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Tuesday, October 21, 2025
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Zopa Launches Market-Leading 4.75% Easy Access Savings Product

Digital bank Zopa has launched a market-leading Easy Access savings product offering 4.75% AER.

The exclusive savings rate is available to both new and existing customers who a) open or hold a Biscuit current account with Zopa, and b) deposit £500 per month into Biscuit – these actions unlock a 1.50% AER fixed bonus for 12 months on Zopa’s standard variable Easy Access rate.

There’s no monthly cap on how much customers can save (up to £250,000 total), and they can withdraw money at any time without penalties.

The bumper rate adds to Biscuit’s growing list of benefits, cementing its position as the UK’s best value free current account — enabling customers to EARN £647* per year through a combination of interest and cashback.

The launch comes as UK inflation remains stubbornly high, reinforcing the need for savers to shop around and find accounts that make their money work harder. Rated #1 by MoneySavingExpert for cashback, perks and regular savings, Zopa’s Biscuit account has quickly attracted close to 150,000 customers since launching this summer.

It can be opened in minutes through Zopa’s streamlined digital onboarding, with instant virtual cards giving immediate access to account features.

How the new rate works

  1. Opening a Biscuit account gives customers instant access to Zopa’s Smart Saver, named as one of the UK’s best savings accounts at the 2024 British Bank Awards.
  2. The Smart Saver’s standard easy access rate offers a 3.25% AER variable.
  3. By depositing £500 per month into their Biscuit account, customers unlock an additional 1.50% AER fixed boost for 12 months

The news further supports Zopa’s mission to provide “better banking all around” by giving its customers an unrivalled combination of ease and value.

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