Start saving tax-free* with 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 zopa.com/adverification 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 to earn 5.08% AER^ (4.96% gross^^ ) variable, which includes a 0.5% bonus rate that will be applied for 1-year from the date you open a Smart ISA.
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.
Got a question?
Hello, we’re Zopa
We’re Zopa, a fully regulated UK bank, voted Best Fixed Rate Cash ISA Provider 2024 and Best Savings App 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 £4 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 www.fscs.org.uk.