Cash ISA

Zopa Smart ISA - Fixed Term Pot (1 Year) Review

One of the best-paying one-year cash ISAs, from Zopa. It ranks 6th of 47 one-year cash ISAs we track.

Fixed rate · 1 year

4.87%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

At maturity only

Interest paid

Monthly

Transfers in

Accepted

How It Stacks Up

Ranks 6th of 47

1-year cash ISAs we track

Among the best
This account 4.87%
UK CPI (Aug 2026)
3.10%
Pays 1.77% more
Average 1-year cash ISA
4.37%
Pays 0.50% more
Best 1-year cash ISA
4.92%
About the same

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

Compare cash ISAs

Pros and cons

  • Pro: Savers who want a monthly income
  • Con: Your money is locked in for 1 year

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Estimated returns with Zopa's Cash ISA

What you could earn with Zopa's Smart ISA - Fixed Term Pot (1 Year).

Estimated interest

£1,000 saved

£48.70

At 4.87% AER

£5,000 saved

£243

At 4.87% AER

£10,000 saved

£487

At 4.87% AER

£20,000 saved

£974

At 4.87% 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 - Fixed Term Pot (1 Year)

Jan WatermannCo-Founder, DepositScout

Zopa's one-year fixed ISA pot sits at 4.87%, which is above the cash ISA market average but 0.25% behind the current market leader at 5.12%. That said, 4.87% still beats August 2026 CPI of 3.1% by 1.77%, so your money is growing in real terms. The main catch is that access is locked until maturity, so this suits savers who are confident they will not need the funds for a year and can deposit up to the £20,000 ISA allowance. Hinckley & Rugby Building Society's Fixed Rate Cash ISA at 4.89% is worth a look if you want to squeeze out a little more.

2 alternatives to Zopa's Smart ISA - Fixed Term Pot (1 Year)

Same type of account, closest on rate.

Common questions about the Smart ISA - Fixed Term Pot (1 Year)

D

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