Cash ISA

Zopa Smart ISA - Fixed Term Pot (5 Year) Review

A five-year cash ISA from Zopa. It ranks 25th of 26 five-year cash ISAs we track.

Fixed rate · 5 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 25th of 26

5-year cash ISAs we track

Well below average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average 5-year cash ISA
4.61%
Pays 0.81% less
Best 5-year 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 5 years

Please verify all details with the provider – see our Disclaimer

See all Zopa accounts

Estimated returns with Zopa's Cash ISA

What you could earn with Zopa's Smart ISA - Fixed Term Pot (5 Year).

Estimated interest

£1,000 saved

£205

At 3.8% AER

£5,000 saved

£1,025

At 3.8% AER

£10,000 saved

£2,050

At 3.8% AER

£20,000 saved

£4,100

At 3.8% AER

Estimated over the 60-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 (5 Year)

Jan WatermannCo-Founder, DepositScout

Zopa's five-year fixed ISA pot pays 3.80%, which sits 1.32% behind the current Cash ISA market leader at 5.12%, putting it below the market average for that category. The rate does beat August 2026 CPI of 3.1% by 0.70%, so your money grows in real terms, but you are locking up to £20,000 with no access until maturity, which is a serious commitment over five years. It is worth noting that Zopa's own one-year pot pays 4.50%, so unless you have a specific reason to fix this long, shorter terms look more rewarding here.

2 alternatives to Zopa's Smart ISA - Fixed Term Pot (5 Year)

Same type of account, closest on rate.

Common questions about the Smart ISA - Fixed Term Pot (5 Year)

D

DepositScout Alerts

2 minutes ago

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%
View Best Rates
Live Market Tracking

Be the first to know when this Zopa rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time