Cash ISA

Zopa Smart ISA - Fixed Term Pot (3 Year) Review

A three-year cash ISA from Zopa. It ranks 27th of 28 three-year cash ISAs we track.

Fixed rate · 3 years

3.90%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

4.50%AER

2 years

4.11%AER

3 years

3.90%AER

4 years

3.80%AER

5 years

3.80%AER

How It Stacks Up

Ranks 27th of 28

3-year cash ISAs we track

Well below average
This account 3.90%
UK CPI (Aug 2026)
3.10%
Pays 0.80% more
Average 3-year cash ISA
4.61%
Pays 0.71% less
Best 3-year cash ISA
5.11%
Pays 1.21% 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 3 years

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Estimated returns with Zopa's Cash ISA

What you could earn with Zopa's Smart ISA - Fixed Term Pot (3 Year).

Estimated interest

£1,000 saved

£122

At 3.9% AER

£5,000 saved

£608

At 3.9% AER

£10,000 saved

£1,216

At 3.9% AER

£20,000 saved

£2,432

At 3.9% AER

Estimated over the 36-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 (3 Year)

Jan WatermannCo-Founder, DepositScout

Zopa's three-year fixed ISA pot sits within its Smart ISA wrapper and pays 3.90%, which is 0.80% above CPI inflation of 3.1% but 1.22% behind the Cash ISA market leader at 5.12%, and the position is below the market average, so this is not a standout rate. The £20,000 cap means higher-balance savers are limited, and the no-access-until-maturity rule is the main catch for anyone who might need their money before the three years are up. If you want flexibility or a better rate, Tembo or XTB both offer Cash ISAs at 4.00% without locking your money away for three years.

2 alternatives to Zopa's Smart ISA - Fixed Term Pot (3 Year)

Same type of account, closest on rate.

Common questions about the Smart ISA - Fixed Term Pot (3 Year)

D

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