A lot of ISA providers penalise you for withdrawing by limiting the number of withdrawals you can make or reducing your interest rate if you withdraw. At Zopa, we give you the flexibility to withdraw from our Access ISA pots as many times as you like, penalty-free!  

Plus, our Access ISA pots are flexible. This means you can withdraw money (including money saved in previous tax years) and put it back within the same tax year without eating into your £20,000 ISA allowance.  

Here’s an example: