Grow your savings and get rewarded with ISA Builder
ISA Builder is the simple way to build a tax-free* savings habit – with the chance to win £20,000 + lots more prizes and rewards along the way.
Get started today and give future you a helping hand.
*Tax treatment depends on your individual circumstances and could change.
Set up your ISA Builder in minutes
You'll need to be on the latest version of the Zopa app to access ISA Builder. New to Zopa? Open a Smart Savings account first, then build your ISA plan and get started.
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What is ISA Builder?
ISA Builder helps you build a tax-free savings habit, month by month.
Choose how much you’d like to add each month, decide how to split it between Cash and Stocks & Shares, and then track everything in the Zopa app.
Each month you hit your funding target, you’ll earn an entry into a prize draw – with the chance to win £20,000.
Hit your target every month, and you’ll build both your savings... and your chances.
One ISA. Two ways to grow your money tax-free.
One allowance, two ways to grow. With ISA Builder, you can split your savings between cash and stocks and shares – then adjust your mix whenever you like.
Stocks & Shares ISA
Like any investment, the value of stocks and shares ISAs can go up and down, so you could get back less than you put in.
Explore our Stocks & Shares ISA
Cash ISA
Our cash ISA is highly recommended by Which? with an exclusive boosted rate of 3.75%* AER (variable).
Explore our Cash ISA*A boosted rate of 3.75% AER (variable) is available if you open an 'Access ISA pot - boosted rate' by 5 May 2026. This is made up of our standard Access ISA pot rate of 3.25% AER (variable) plus a fixed 0.5% AER bonus rate, which will run until the end of the tax year (5 April 2027).
How ISA Builder works
Set your plan, stay on track, and build your ISA month by month – with rewards along the way. We've made building towards the future as easy as 1,2,3.
1. Build your plan
Set how much you’d like to add to your ISA Builder each month.
Then decide how to split your savings between a Cash ISA and a Stocks & Shares ISA in a way that works for you, depending on your goals and how you want your money to work.
We've made it all super simple in the Zopa app.
2. Set up your ISA
Once you’re happy with your plan, just confirm it and it'll be all set up in the Zopa app.
From there, you’re good to go – just fund your ISA each month and stay on track.
Need to tweak things later? You can adjust your monthly amount or how your money’s split at any time.
3. Keep building and earn prize entries
There are three prize draws across 12 months – across the year, that means:
3 top prizes of £20,000
30 prizes of £1,000
Plus, bonus rewards along the way
Each month you hit your funding target, you’ll earn an entry into the next prize draw.
The more months you stay consistent, the more entries you’ll have. T&Cs apply.
Ready to get growing? Just download the latest version of the Zopa app.
Who can use ISA Builder?
To use ISA Builder, you’ll need:
A Smart Savings account in the Zopa app
To be 18 or over
To be a UK resident
If you don’t already save with Zopa, you can open a Smart Savings account in minutes in the app.
What is an ISA?
An ISA is a simple way to save or invest – without paying tax on what you earn.
Each tax year, you get an allowance. That’s the amount you can put into your ISAs without paying tax on the interest or returns.
You can keep it in cash, invest it, or do a bit of both, depending on how you want your money to work.
ISA Builder helps you make the most of that allowance by building it up steadily, month by month – so it feels manageable, not overwhelming.
Why build a monthly ISA habit?
Grow your savings tax-free.
Build momentum, month after month.
Stay in control with a plan that works for you.
Build a fund that future you will thank you for.
What's my ISA allowance?
From the 2027 tax year, the Cash ISA limit may reduce from £20,000 to £12,000.
Using a mix of cash and investing means you can still use your full £20,000 allowance. Start building the habit now, so you can make the most of every pound, tax-free.
Zopa Bank is trusted by over 1.5 million customers
Whether it’s saving, borrowing, or everyday banking, our customers trust us to make money simple, rewarding and stress-free.
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS). This means your eligible deposits, which includes any money held in a Zopa bank account or savings account, are protected up to £120,000.
To learn more, visit fscs.org.uk.
Savings that get the seal of approval
Best Regular Savings Provider – Moneynet 2026
Best Savings App – Moneynet 2026
Top-rated for regular savings – MoneySavingExpert 2025
ISA Builder FAQs
Get started with ISA Builder
Fund your ISA every month for a chance to win up to £20,000. Build your plan in minutes in the Zopa app.