Cash ISA

Zopa Smart ISA - Access Pot Review

A competitive cash ISA from Zopa. It ranks 65th of 137 cash ISAs we track.

Variable rate

3.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Accepted

How It Stacks Up

Ranks 65th of 137

Cash ISAs we track

Above average
This account 3.25%
UK CPI (Aug 2026)
3.10%
Pays 0.15% more
Average cash ISA
2.98%
Pays 0.27% more
Best cash ISA
4.87%
Pays 1.62% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.60%

AER

  • Pays 1.35% more than this Zopa account
  • Includes a 1.00% bonus for 12 months, then 3.60%
Compare Cash ISAs

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: The rate is variable, so it can go down

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Estimated returns with Zopa's Cash ISA

What you could earn with Zopa's Smart ISA - Access Pot.

Estimated interest

£1,000 saved

£32.50

At 3.25% AER

£5,000 saved

£162

At 3.25% AER

£10,000 saved

£325

At 3.25% AER

£20,000 saved

£650

At 3.25% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Zopa Smart ISA - Access Pot

Jonny PeaseCo-Founder, DepositScout

Zopa's Access Pot sits inside their Smart ISA wrapper and pays 3.25%, which is below the cash ISA market average and 1.87% behind the category leader at 5.12%. It barely clears current CPI inflation of 3.1% by just 0.15%, so real returns are thin. The £20,000 cap means you cannot hold more than the annual ISA allowance here, and instant access is the main draw. If you want something closer without switching provider type, Moneybox's Open Access Cash ISA pays 3.80%.

2 alternatives to Zopa's Smart ISA - Access Pot

Same type of account, closest on rate.

Common questions about the Smart ISA - Access Pot

D

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Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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