Zopa ISA rates

How Zopa's ISA rates compare

Zopa's highest easy access rate is 3.25% AER, on its Smart ISA (Easy Access pot). The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Zopa ISA

Smart ISA (1 Year Fixed Term pot)

Early access before the term ends closes the fixed term pot and costs 90 days of interest.

Smart ISA (4 Year Fixed Term pot)

Early access before the term ends closes the fixed term pot and costs 320 days of interest.

Smart ISA (5 Year Fixed Term pot)

Early access before the term ends closes the fixed term pot and costs 365 days of interest.

Smart ISA (3 Year Fixed Term pot)

Early access before the term ends closes the fixed term pot and costs 270 days of interest.

Smart ISA (2 Year Fixed Term pot)

Early access before the term ends closes the fixed term pot and costs 180 days of interest.

Smart ISA (Easy Access pot)

Withdraw instantly with no penalty and no impact on your ISA allowance.

Transferring an ISA to or from Zopa

All 6 of Zopa's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Zopa

• You need to open a Zopa Cash ISA before you can transfer in any existing ISAs, and Zopa says the quickest way to start a transfer is the 'Ask' tab.
• Zopa takes Cash ISA and stocks and shares ISA transfers from all providers that use Pay.UK, and a stocks and shares ISA is converted into a Cash ISA.
• You can transfer the whole ISA balance or only some of it, but some ISA providers do not allow partial transfers, so the other provider needs checking first.
• Each transfer in opens a new Easy Access ISA pot within your existing Cash ISA, and once the transfer completes you can move the money and keep or delete the pot.
• Zopa requires a minimum transfer in of £500 and charges no fees for transfers into a Zopa Cash ISA, but says to check with your current provider whether it does.
• You can transfer as many ISAs to Zopa as you like, but only one at a time, so one transfer must complete before the next is started.

How long a transfer takes

Zopa says transferring a Zopa Cash ISA to another type of ISA, such as a stocks and shares ISA, can take up to 30 business days. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Zopa

Zopa allows partial transfers out for Easy Access Cash ISA pots only, and a partial transfer leaves the remaining Cash ISA balance and any pots not included open. Breaking a Fixed Term pot early costs 90, 180, 270, 320 or 365 days of interest for a 1, 2, 3, 4 or 5 year term, and Zopa deducts it before transferring. The new provider's transfer form asks for the Zopa ISA roll number, which is the Cash ISA reference number in the 'Save & Invest' tab, not an account number or sort code. You can move a Cash ISA from Zopa to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Zopa's own website on 9 October 2026.

Is the Zopa ISA flexible?

1 of Zopa's 6 adult Cash ISAs are flexible: Smart ISA (Easy Access pot). With a flexible ISA you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

Smart ISA (1 Year Fixed Term pot)

Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.

Smart ISA (4 Year Fixed Term pot)

Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.

Smart ISA (5 Year Fixed Term pot)

Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.

Smart ISA (3 Year Fixed Term pot)

Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.

Smart ISA (2 Year Fixed Term pot)

Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.

Smart ISA (Easy Access pot)

Open in the Zopa app: set up a Smart Saver account, then choose Smart ISA. Interest paid monthly. You can mix Access and Fixed Term pots in one Cash ISA.

About Zopa

Legal name

Zopa Bank Limited

Country of incorporation

England and Wales

Principal place of business

London, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 800542)

Deposit protection

FSCS, up to £120,000 per person per banking licence

Complaints

Financial Ombudsman Service

This page covers Zopa's Cash ISAs only. We have no commercial relationship with Zopa, and the order of the table is set by rate alone. See how we compare and how we make money.