Start saving tax-free* with Smart ISA

couple riding bikes

Reach your goals your way with Zopa’s simple, smart and flexible cash ISA

  • Get more from your money with interest rates that beat the high street**

  • Open in minutes and manage in the Zopa app

  • Transfer in an existing cash ISA with no Zopa paperwork needed

  • Split your ISA allowance across Access and Fixed pots in one place

  • Save from £1 to £250,000 in our Savings Hub

You’ll need to open a Smart Saver Account before you can open a Smart ISA.

Minimum £1 required to start saving in your Smart ISA account. You can save up to £250,000 across your Smart Savings Hub pots, FSCS protected up to £85,000. 

*Tax treatment depends on your circumstances and may be subject to change. 

**See for more information

Create a tax-free home for your money

Get more from your money

Move money that’s not earning interest to the award-winning Zopa Bank. Open a Smart ISA by 5th May 2024 to earn 5.08% AER^ (4.96% gross^^ ) variable, which includes a 0.5% bonus rate, fixed until 6th May 2025.

Manage easily 24/7 in the app

Opening a Smart ISA account is quick and easy. You can also request to transfer in your existing cash ISAs via the app, with no long paperwork needed.

Split your ISA allowance across personalised pots

You’ll have one flexible cash ISA, but within that, you can spread your allowance across different ISA pots. Access ISA pots allow you to withdraw anytime. Or you can save in Fixed Term ISA pots for 1 to 5 years. It’s your call. Please note, if you want to access money in a Fixed Term ISA pot before the term ends, you’d need to break the term and pay an interest charge.

^AER stands for 'annual equivalent rate'. We pay you interest on a monthly basis, but AER shows you the rate you’d get if this monthly interest was compounded and paid once a year instead. We provide an AER to make it easier for you to compare our rates with other providers.

^^Gross is the rate of interest we apply to your money, before any tax is taken off.

Download the Zopa app to start saving

Got a question?

Hello, we’re Zopa

We’re Zopa, a fully regulated UK bank, voted Best Fixed Rate Cash ISA Provider 2024 at the Moneynet Awards. We’re proud to have delivered a service which is rated excellent on Trustpilot and to have built a bank which we believe can challenge expectations and help many more customers reach their financial goals.

With over 1 million customers trusting our services and over £3 billion held in savings, we’re on a mission to get your money working hard for you at rates that beat the high street banks.

Your money's secure

Your eligible deposits with Zopa are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please ask for further information or visit

What our customers think

Read more reviews