How do I unlock the 3.75% AER boosted Cash ISA rate?

To earn a boosted interest rate of 3.75% AER* (variable) on your easy-access Cash ISA, simply:

1. Open a Smart ISA in the Zopa app.

2. Open an Access ISA pot – boosted rate between 6 April and 5 May 2026.

3. Add up to £20,000 – money moved from existing Zopa ISA won't qualify. 

4. We'll automatically apply a 0.5% AER* (fixed) bonus rate for the rest of the tax year (ending 5 April 2027) – bringing your total rate on this pot to 3.75% AER* (variable).

Learn more about the boosted Cash ISA rate