Smart ISA. Grow your savings tax-free^ at rates that beat the high street^^
Earn a 1-year fixed bonus rate from the date you open a Smast ISA
You’ll need to open a Smart Saver Account before you can open a Smart ISA. A bonus 0.5% fixed rate will be applied for 1-year from the date you open a Smart ISA.
Minimum £1 required to start saving in your Smart ISA account. FSCS protected up to £85,000.
^Tax treatment depends on your circumstances and may be subject to change.
^^See zopa.com/adverification for more information
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Create a tax-free home for your money
Enjoy tax-free interest on your savings
Make the most of your ISA allowance by saving up to £20,000 each tax year, tax-free.
Start earning in minutes
Open a new Smart ISA in the Zopa app and start saving from as little as £1. You can also request to transfer in your existing cash ISAs via the app effortlessly, with no Zopa paperwork in sight.
Split your ISA allowance across personalised pots
You’ll have one flexible cash ISA, but within that, you can spread your allowance across different ISA pots. Access ISA pots allow you to withdraw anytime. Or you can save in Fixed Term ISA pots for 1 to 5 years. It’s your call.
Take control of your money
Take out money when you need to and then put it back as many times as you like in the same tax year, without affecting your ISA allowance. Please note, if you want to access money in a Fixed Term ISA pot before the term ends, you’ll need to break the term and pay an interest charge.
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Meet our ISA pots
Access ISA pots
AER*
Gross** variable
Access money
4.55%
4.45%
Access Anytime
Fixed Term ISA pots
AER*
Gross** fixed
Access money
4.40%
4.31%
1 year term
4.16%
4.08%
2 years term
4.10%
4.02%
3 years term
4.01%
3.93%
4 years term
3.90%
3.83%
5 years term
*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.
**Gross is the rate of interest we apply to your money, before any tax is taken off.
The Access ISA pots rate includes a bonus rate of 0.5% AER/gross fixed, which you'll be eligible for if you open a Smart ISA. The bonus rate will be applied for 1-year from the date you open a Smart ISA.
Tax treatment depends on your individual circumstances and could change in the future.
The interest rates shown may change if we update them whilst you’re browsing.
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Hello, we’re Zopa
We’re Zopa, a fully regulated UK bank, voted Best Fixed Rate Cash ISA Provider 2024 and Best Savings App 2024 at the Moneynet Awards. We’re proud to have delivered a service which is rated excellent on Trustpilot and to have built a bank which we believe can challenge expectations and help many more customers reach their financial goals.
With over 1 million customers trusting our services and over £4 billion held in savings, we’re on a mission to get your money working hard for you at rates that beat the high street banks.
Learn more about usDownload the Zopa app to start saving
Your money's secure
Your eligible deposits with Zopa are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
Please ask for further information or visit www.fscs.org.uk.
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