Write a review

Zopa: Cash ISA reviews

Name: Cash ISA
Rating: 4.95 (1261 reviews)

View other Zopa products

4.95

Based on 1,261 reviews, last reviewed 15th Jun 2025

10% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

4

Easy cash Isa Easy to set up and manage on app Reviewed on: 15th June 2025

Latest lowest rating:

1

Obstructive to ISA transfer out I have had no fewer than 4 attempts to organise a transfer out and each time Zopa finds a way not to act on the request. The current strategy is Zopa ... Read more Reviewed on: 27th May 2025

Read all reviews Write a review

About this product

The Zopa Smart ISA can be opened with as little as £1.

Customers who already have a Smart Saver Account can apply for a Smart ISA via the Smart Savings Hub. With Zopa, you’ll have one flexible cash ISA, but within that, can spread your allowance across different ISA pots.

Zopa Smart ISA reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

Review Zopa: Cash ISA now

Help others make smarter decisions by sharing your own experience.

Write a review

Zopa Cash ISA reviews (1261)

The most flexible ISA I have ever used.

Zopa's smart ISA has been nothing short of excellent for me. Deposits and withdrawals are handled almost immediately. Your interest rates are not affected by the amount of withdrawals you make. You can link multiple bank accounts to make deposits and withdrawals, something you cannot do with some competitors products like Chip's Cash ISA (Limited to linking only one account). Overall, I recommend Zopa to everyone. Registration process is very straightforward and quick / easy to complete. Reviewed on: 24th May 2024

Easy to use and great customer service

Easy to use and great customer service when I have needed it. Smart ISA has fab interest rates too. I looked to change to a different savings account with slightly better interest but it was a faff so I stuck with Zopa! Reviewed on: 19th April 2024

High rates but let down

I chose Zopa because they offered very competitive rates, however the ISA has numerous restrictions. Whilst I probably could have found these restrictions, they were not clearly documented and are fairly basic. Zopa does not allow ISA transfers in from Stocks and Shares ISA's and they do not allow partial transfers out of the ISA. Reviewed on: 16th April 2024

Competitive flexible Smart ISA.

I recently opened a Smart ISA account, as it was one of the few banks offering a flexible ISA with a competitive rate of interest! It was very quick and easy to open, and the app is very intuitive. Reviewed on: 14th April 2024

Very competitive interest rates, brilliant app that...

Very competitive interest rates, brilliant app that makes it so quick and easy to move money between accounts within the app or to withdraw or add money from the nominated bank account. Reviewed on: 14th April 2024

My 'go to' Place for Savings

I have been saving with Zopa for several years. There is a wide range of savings products available and they are all easily accessible through the Zopa app. Interest rates are good and the recent introduction of the Smart ISA is most welcome. Reviewed on: 13th April 2024

Best interest rate in ISA savings and as far as we c...

Best interest rate in ISA savings and as far as we can find, anywhere. Very easy to use app and flexible saving. Communications are also good with Zopa. they are on the ball. Reviewed on: 13th April 2024

Easy to set up.

Easy to set up. And the best offer Reviewed on: 12th April 2024

Savings review

Easy to use website, competitive rate Reviewed on: 12th April 2024

Easy to use

Easy to use and regular monthly interest Reviewed on: 12th April 2024

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Junior ISA
from NuWealth 0.00 from 0 reviews
Junior ISA
from Santander 3.20 from 2 reviews
Cash ISA
from TSB 4.46 from 14 reviews

Want to see more from Zopa?

Smart Saver
from Zopa 4.94 from 7180 reviews
Personal loan
from Zopa 4.94 from 65247 reviews
Fixed term savings account
from Zopa 4.93 from 1784 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub