Cash ISA

Zopa Smart ISA - Fixed Term Pot (2 Year) Review

A two-year cash ISA from Zopa. It ranks 35th of 44 two-year cash ISAs we track.

Fixed rate · 2 years

4.11%AER

Up to 4.50% on some tiers

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

Rate Tiers

1 year term

4.50%AER

2 year term

4.11%AER

3 year term

3.90%AER

4 year term

3.80%AER

5 year term

3.80%AER

How It Stacks Up

Ranks 35th of 44

2-year cash ISAs we track

Below average
This account 4.11%
UK CPI (Aug 2026)
3.10%
Pays 1.01% more
Average 2-year cash ISA
4.50%
Pays 0.39% less
Best 2-year cash ISA
5.05%
Pays 0.94% less

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 2 years

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Estimated returns with Zopa's Cash ISA

What you could earn with Zopa's Smart ISA - Fixed Term Pot (2 Year).

Estimated interest

£1,000 saved

£83.89

At 4.11% AER

£5,000 saved

£419

At 4.11% AER

£10,000 saved

£839

At 4.11% AER

£20,000 saved

£1,678

At 4.11% AER

Estimated over the 24-month term, 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 (2 Year)

Jonny PeaseCo-Founder, DepositScout

Zopa's two-year fixed ISA pot sits at 4.11%, which is 1.01% below the Cash ISA market leader at 5.12%, so this is below the market average and worth approaching with that in mind. The maximum is £20,000 and there is no access until maturity, so you need to be comfortable locking the money away. It does beat August 2026 CPI of 3.1% by 1.01%, which is something. I would still check Cynergy Bank's Online ISA at 4.15% before committing here.

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

Same type of account, closest on rate.

Common questions about the Smart ISA - Fixed Term Pot (2 Year)

D

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