Smart ISA. The smart way to save tax-free

Save with confidence in our flexible cash ISA. Spread your allowance across Access and Fixed Term ISA pots to create a tax-free home for your money.

Earn tax-free interest
Get started from £1
Create personalised ISA pots

Tax treatment depends on your circumstances and may be subject to change. You can save up to £100,000 across your Smart Savings Hub pots.

Head to the Smart Savings Hub in our app to apply for a Smart Saver account. Once that's open, you can apply for a Smart ISA, too.

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Bring your big plans to life

Enjoy tax-free interest on your savings

Make the most of your ISA allowance by saving up to £20,000 each tax year, tax-free.

Take control of your money

Because life happens, we’ve made Smart ISA flexible. You can take out money when you need to and then put it back as many times as you like in the same tax year, without affecting your ISA allowance.   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.

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. Put it in Access ISA pots for those rainy days when you need money on hand. Or earn higher, locked-in rates, by setting aside some of your savings in Fixed Term ISA pots for 1 to 5 years. It’s your call.

Manage your money in one place

Everything you need to stay on top of your savings is in the Smart Savings Hub. You can open a Smart Saver in minutes to get access to Smart ISA. Then add and manage your ISA pots on the go. It’s that easy.

Meet our ISA pots

Access ISA pots

AER*

Gross** variable

Access money

5.08%

4.96%

Access Anytime

Fixed Term ISA pots

AER*

Gross** fixed

Access money

5.27%

5.14%

1 year term

5.07%

4.95%

2 years term

4.81%

4.70%

3 years term

4.41%

4.32%

4 years term

4.62%

4.52%

5 years term

*AER stands for Annual Equivalent Rate. It shows what the interest rate would be after a full year, including the compound interest you’ll get from paying you interest each month.

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

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

Interest rates may change if we update them whilst you’re browsing.

Download our app to start saving

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.

Ready to start saving with Smart ISA?

To get started, download our app, head to the Smart Savings Hub and apply for a Smart Saver account. Once that’s opened, you’ll be able to apply for a Smart ISA.

Got a question?

Smart ISA (Individual Savings Account) is a cash ISA, which works a lot like a normal savings account, except you don’t have to pay any tax on the interest you earn.

You have an annual ISA allowance of £20,000. This is the maximum amount you can put into ISAs each tax year, from 6th April to 5th April.

Smart ISA comes with two types of pots – Access and Fixed Term ISA pots – that let you spread your savings in whichever way you like.

Yes, Zopa’s Smart ISA is flexible. That means you can withdraw and replace money in the same tax year without affecting your allowance. For example, say you’d saved £10,000 in your Smart ISA. You could withdraw this in full and then add it back in within the same tax year and still have £10,000 of your ISA allowance left.

It's important to note, you wouldn't be able to pay into another provider’s cash ISA in the same tax year. Any money you withdraw and move outside your Smart ISA will no longer qualify as tax-free.

To open a Smart ISA, you'll need to have already opened a Smart Saver. You can do this in our Smart Savings Hub.

You must also:

be aged 18 or over
be a UK resident and only have tax residency in the UK (which excludes the Channel Islands and the Isle of Man)
have an active UK bank account that we can link to
have not paid into a cash ISA with another provider this tax year
have not already used up your total annual ISA allowance of £20,000 this tax year
open your ISA in your name only

More ways to save with us

There are other ways to grow your money with Zopa.  Visit our Smart Savings Hub page to find out more.

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