When can I withdraw my money?

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.

• But remember, withdrawals can only be made to your linked bank account.

• Withdrawals normally take less than 10 minutes, but sometimes it 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.

• You can’t access your money early, not even for a fee.

• Once the notice period ends, you can withdraw your money directly to your - chosen bank account, using the Zopa app.

Smart ISA

If you have savings in Access ISA pots:

• You can withdraw your money at any time using the Zopa app.

• But remember, withdrawals can only be made to your linked bank account.

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

If you have savings in Fixed Term ISA pots:

• You can access your Fixed Term ISA pot early by breaking the fixed term and paying an interest charge.

• Then, you can 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.