Transfer an ISA to Zopa to unlock more interest

Transfer a cash ISA to your Smart ISA to earn an extra 1.01% AER*, fixed for 3 months, on all your Access ISA pots.

FAQs

How do I unlock the bonus rate?

To earn a 3-month fixed 1.01% AER* bonus rate, you'll need to transfer a cash ISA to Zopa via the app. Here's how:

  1. Open your Smart Savings Hub.

  2. Click 'Add money'.

  3. Select the 'Transfer an ISA' option.

Once the transfer is complete and the money has landed in your Smart ISA, the bonus rate will be applied to all of your Access ISA pots automatically.

I'm trying to transfer my ISA to Zopa but I can't see my provider on the list?

We only accept cash ISA transfers from providers that use Pay.UK. Here's a list of eligible providers.

Will I only earn the bonus rate on the money I transferred?

No, the bonus rate will be applied to all of your Access ISA pots, whether it's money you transferred from another provider or not.

I've already transferred an ISA to Zopa in the past, will I unlock the offer?

Unfortunately, the bonus rate will only apply to transfers that are initiated on or after 3rd April 2025.

Is there a minimum amount that I need to transfer?

Yes, you need to transfer a minimum of £500 from another ISA provider.

If I close my ISA account and then transfer an ISA after re-opening, will I unlock the bonus rate?

At the moment, this bonus rate is only available to customers who had a Smart ISA before 6th April 2024. New customers aren't eligible for the bonus.

Do I need to do anything to activate the bonus rate?

No, the bonus rate will be applied to your Access ISA pots automatically once your transfer is complete.

What will happen when my bonus rate ends in 3 months?

The rate you're earning on Access ISA pots will reduce by 1.01% AER*.

How long do I have to access the bonus rate?

The bonus rate is only available if you complete an ISA transfer before 1st June 2025.

Will I earn more interest if I complete more than 1 ISA transfer?

The bonus rate will be applied to all Access ISA pots once your first transfer is complete, and will run for 3 months. You're welcome to transfer more than 1 cash ISA to Zopa, but you won't unlock an extra bonus rate for doing so.

*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.