This depends on the type of pots you have with us. Here’s a breakdown of the details:

Smart Saver

• If you have a Smart Saver account, the interest rate is variable, which means it can change over time.

• If your interest rate increases, we’ll apply the new rate immediately and let you know about the change via email.

• If your interest rate is going to decrease, we'll give you a heads-up via email 14 days before the new rate is implemented. For Boosted pots, we'll send you an email 14 days plus the Boost notice period (of 7, 31 or 95 days, depending on which pot you have) in advance of applying the new rate. You can find more information in the Terms & Conditions for your account, which is stored in the Documents section of you Smart Savings Hub.

Smart ISA

• If you have Access ISA pots, the rate is variable, which means it can change over time.

• If you have Fixed ISA pots, the rate is fixed for the duration of the term. This means Zopa cannot change the rate until the fixed term has ended.