Welcome to Zopa
Better banking all round
Effortless products. Great value. Unlock it all in our award-winning app, including Biscuit, a bank account for people who like generous banking.
Download the app
Biscuit by Zopa
Tuck into the free bank account with cashback and interest.
Download the appExplore our bank accountWelcome to award-winning banking
We build banking people love – but being recognised is a nice little extra.
Better banking, all from our app
We’ve built an app to help make managing your money stress-free.
See your credit score and what you could borrow with Borrowing Power.
Instant access to your bank account, loans, credit card or savings.
Apply for a Zopa loan in minutes with no fees or paperwork.
Speak to a real person on live chat or phone, Monday to Saturday.
The best of Zopa banking – now on Apple Pay
You can now add both your Zopa credit card and Biscuit debit card to Apple Pay. It's quick, convenient and easy.
Get set up in seconds – right from your iPhone.
Explore Apple Pay
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS).
To learn more, visit fscs.org.uk.
Trusted by over 1.5 million Zopa customers
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We've been lending since 2005 and already offer award-winning credit cards, personal loans and savings accounts.
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
Zopa Bank delivers £65 million profit in 2025
2025 was a big year for Zopa — not just in numbers, but in what those numbers represent. We delivered £65 million in underlying profit before tax, nearly doubling our 2024 performance. It marks our third full year of profitability, and another step forward in building what we’ve always set out to create: the Home of Money.
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ISAs Explained
An Individual Savings Account (ISA) is a way to save or invest money without paying tax on the interest or returns you earn. Nearly half of UK adults have one – and for good reason. But there are quite a lot of rules about opening and contributing to an ISA and – just to keep you on your toes – these rules can change from year to year. But don’t let that put you off. This guide explains everything clearly and simply.
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