Withdrawing from your Zopa savings is different depending on the type of account you have with us. Here’s everything you need to know.

Smart Saver:

If you have savings in Access pots:

• You can withdraw your money at any time using the Zopa app. Withdrawals can only be made to your linked bank account.

• Withdrawals normally take less than 10 minutes, but can take up to 2 hours.

If you have savings in Boosted pots:

• You’ll need to give us notice before you can withdraw your money. The notice will either be 7, 31 or 95 days, depending on the type of Boosted pot you have.

• Once this notice period ends, you can withdraw your money directly to your linked bank account via the Zopa app.

• Please note, you can’t access your money early, not even for a fee.

If you have savings in Fixed Term pots:

• Once the term on your Fixed Term pot has ended, it'll automatically become an Access pot, which you can withdraw from at any time. 

• It's not possible to withdraw from your Fixed Term pot before the term has ended, not even for a fee.

Smart ISA:

If you have savings in Access ISA pots:

• You can withdraw your money at any time using the Zopa app. Withdrawals can only be made to your linked bank account.

• Withdrawals normally take less than 10 minutes, but can take up to 2 hours.

If you have savings in Fixed Term ISA pots:

• Once the fixed term on your Fixed Term ISA pot has ended, it'll automatically turn into an Access pot, which you can withdraw from at any time.

• However, if you want to access the money in your Fixed Term ISA early, you can do this by breaking the fixed term and paying an interest charge.

• You can then either withdraw the full balance to your linked bank account or move it to an Access ISA pot, where it’ll earn a variable interest rate.