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Zopa: Fixed term savings account reviews

Name: Fixed term savings account
Rating: 4.9 (1785 reviews)

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4.93

Based on 1,785 reviews, last reviewed 4th Sep 2025

100% decrease 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 saving incentives. Great saving incentives. And bonuses for using card. Most banks don’t do this! Any problem fixed very swiftly. Reviewed on: 4th September 2025

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 (1785)

Amazing

Easy to use app and just great product Reviewed on: 4th April 2023

Easy to use, amazing returns

Zopa was the easiest, most user-friendly way to get up to 3.5% return on my deposits. I'm saving for a house and the 3-month savers option is great! Reviewed on: 4th April 2023

The Cream of the Crop

Zopa is a very good financial provider which offers excellent service to its customers with constant updates and great interest on its accounts. Reviewed on: 4th April 2023

Easy peasy

Easy to set up; easy to create separate savings pots and switch money between those pots. And, competitive interest rates. Reviewed on: 4th April 2023

Good interest rates

Your told. upfront how long your money is tied up for or how long the waiting period to access your money is. The interest rates are good and rise with the BoE base rate - they don’t wait months to raise them a little. Interest is paid monthly into the different accounts not just paid into the basic one. Reviewed on: 4th April 2023

Zopa is offers a great way to save.

Love Zopa. The app is great. Really easy to use. Their savings products and rates are some of the best around. having offerings like a 7 day boost are a fantastic option. Don't know how Zopa are doing it, but keep doing it! Reviewed on: 4th April 2023

Easy set up, very responsive

Great communication from Zopa during account opening but ongoing too (where other institutions tend to forget), gives a customer confidence their money is being looked after. Would definitely recommend. Very responsive service. Reviewed on: 4th April 2023

Convenient

Very easy to open and manage accounts and great rates Reviewed on: 4th April 2023

Super easy saving

I recently opened a smart saver savings pot with Zopa to make the most of the current high interest rates. I was encouraged to sign up due to their being a regulated banking company and great reviews. I've been really impressed with how easy it has been to set up the account, set up regular savings from my normal bank account and also set up separate boosted saving pots for various endeavours. The app is so easy to use and makes keeping track of my money super simple. I also like that Zopa is part of the 2025 Fintech Pledge and trying to go beyond just being "good". Reviewed on: 4th April 2023

Yes. Easy to use and top interest rates

Easy to use and to interest rates Reviewed on: 4th April 2023

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