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Zopa: Fixed term savings account reviews

Name: Fixed term savings account
Rating: 4.92 (1790 reviews)

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4.92

Based on 1,790 reviews, last reviewed 5th Feb 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Great rates and very helpful staff, easy to use app Great rates and very helpful staff, easy to use app Reviewed on: 5th February 2026

Latest lowest rating:

1

Customer service is an oxymoron Zopa is a fine company if you want to put money in and get a nice return. However, dont try and contact the customer service on their portal - It is a... Read more Reviewed on: 30th March 2023

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About this product

Zopa offer fixed term savings accounts so you can put away a lump sum for one to five years and know exactly what interest rate you’ll get.

You can start saving in a Zopa fixed term savings account with a minimum balance of £1,000. Zopa pay interest on your money as soon as it reaches your account.

Zopa’s fixed term savings reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Fixed term savings account reviews (1790)

Zopa is best interest rate at this time

Easy to set up and plenty of assurances for safety Reviewed on: 19th January 2022

Just a good rate

Needs to be a good rate and simple to operate and that’s a winning combination. Reviewed on: 19th January 2022

Easy to apply for

No messing about to set up new account. Favourable interest rate kept up to date with account opening process. Would reccomend. Reviewed on: 19th January 2022

Efficient Service

Opened an account which as straightforward and quick. Reviewed on: 19th January 2022

No longer a P2P Provider

Zopa just killed off my P2P savings without much notice or care for what I can do with those savings. Reviewed on: 19th January 2022

On-line savings service by Zopa

Great on-line experience, backed by excellent customer service and product base - would highly recommend Zopa Reviewed on: 19th January 2022

Disappointing

Interest rolled up - no choice - neither monthly or annual option offered. I would not invest in another 3 year fixed rate bond with Zopa. Reviewed on: 19th January 2022

LIFE AFTER P2P

ZOPA have recently withdrawn from P2P lending in a responsible manner that instils trust in their organisation. They now offer the best rates in a very difficult market. I am confident that I have chosen well to continue my connection with ZOPA Reviewed on: 19th January 2022

Efficient Service and Good Interest Rates

I have been saving with Zopa for a while now, investing in their Peer to Peer offer, but I am a cautious saver, so am now really happy with the fixed term savings accounts. The stability of saving in these accounts is very reassuring. The accounts are easy to open and the interest starts straight away. There is a choice in the length of accounts available and transfering money into them is very easy. The communication from Zopa is second to none. Reviewed on: 19th January 2022

So easy to set up and a great rate too

I chose a one year fixed rate saver for existing savings and also for my Peer to Peer savings. It was easy to set up, as Zopa recognised my existing nominated bank account, and a great interest rate too. I also love that there is some extra time to add more money if you want to Reviewed on: 19th January 2022

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