Cash ISA

Zopa Smart ISA - Fixed Term Pot (4 Year) Review

A cash ISA from Zopa. It ranks 147th of 158 cash ISAs we track.

Fixed rate · 4 years

3.80%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 147th of 158

Cash ISAs we track

Well below average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average cash ISA
4.48%
Pays 0.68% less
Best cash ISA
5.12%
Pays 1.32% 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 4 years

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Estimated returns with Zopa's Cash ISA

What you could earn with Zopa's Smart ISA - Fixed Term Pot (4 Year).

Estimated interest

£1,000 saved

£161

At 3.8% AER

£5,000 saved

£804

At 3.8% AER

£10,000 saved

£1,609

At 3.8% AER

£20,000 saved

£3,218

At 3.8% AER

Estimated over the 48-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 (4 Year)

Jonny PeaseCo-Founder, DepositScout

Zopa's four-year fixed ISA pot pays 3.80%, which sits 1.32% below the cash ISA market leader at 5.12%, putting it below the market average and hard to justify for the full four-year lock-in. The rate does beat August 2026 CPI of 3.1% by 0.70%, so your money keeps pace with inflation, but you can get 4.00% from Tembo's Standard Cash ISA without tying your money up for four years. The £20,000 cap is also worth noting, and with no access until maturity, I would think carefully before committing here.

2 alternatives to Zopa's Smart ISA - Fixed Term Pot (4 Year)

Same type of account, closest on rate.

Common questions about the Smart ISA - Fixed Term Pot (4 Year)

D

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