Zopa ISA New Smart Saver Pot?

ThePirates

I've had a current account and regular saver for about 4 months, the best ISA rate I can get is 4.4% 😢

ToastLady

Check out this discussion where Zopa have upped the base rate of their flexible ISA to 4%. 

https://forums.moneysavingexpert.com/discussion/6598978/zopa-isa-rate#latest

Qyburn

All I can get is 4.5%, reducing to 3.8% in a few days.

ToastLady

Qyburn said:

All I can get is 4.5%, reducing to 3.8% in a few days.

Underlying rate is 4% now, so by the looks of things, it will drop to that in a few days, rather than 3.8%. Zopa website now showing rate at 4%.

savethepandas

friolento said:

RunsFromRobots said:

I had an email from Zopa today saying they have increased their ISA to 5.21% so I've started a transfer from Moneybox (currently 4.2%).

It's not their ISA rate, it's the ISA rate they are offering to selected people, you being one of them. Anyone who has had a ZOPA ISA before can only get a substantially lower rate.

I opted for the zopa three month ISA at 5.01%, logged on to check up on an ISA transfer and found that my ISA pots were now at 5.21%, without having received an email.

Have previously held a Zopa ISA and transferred it out when it became uncompetitive.

RunsFromRobots

The new rate didn't last long. I had an email today saying it was dropping to 4% from 16 June 2025