Zopa Smart ISA Fixed Term Pot (1 Year)Fixed for 1 year · from £1Beats inflationDeposits only within the first 30 daysDetails for Zopa Smart ISA Fixed Term Pot (1 Year)
Access
No withdrawals during the term; accessing money early closes the pot and incurs a penalty.
Conditions
Opened in the Zopa app as a pot within the Smart ISA (Smart Saver account needed first). Deposits only within the first 30 days. A comparison site says the 5.00% needs a Zopa current account; the Zopa page did not state this.
Interest paid
Monthly
Manage by
Mobile app
FSCS licence
Zopa Bank Limited
Deposit-taker
Zopa, a trading name of Zopa Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 800542)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £497m at 31 December 2024 (latest published accounts).
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
