Yes, Zopa’s Access ISA pots are flexible. That means you can withdraw and replace money in the same tax year without affecting your allowance. For example, say you’d saved £10,000 in your Smart ISA. You could withdraw this in full and then add it back in within the same tax year and still have £10,000 of your ISA allowance left.

Just so you know, any money you withdraw and move outside your Smart ISA will no longer qualify as tax-free.

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