Welcome to Zopa Bank

Loans that are simple and stress-freeSee your rates

A credit card built to put you in controlLet's go

Smart Saver for flexible savings potsStart saving

Fixed Term Savings with 1 - 5 year termsSave with Zopa

"Straight forward application process, very clear and easy to understand, no hidden costs, excellent customer service."

Get Zopa on the go

We’ve built an app to help make managing your money stress-free. Keep on top of your loan, credit card or savings, know your credit score and more.

Check your credit score and how to borrow at your best rate with Borrowing Power.

See your Zopa loan, credit card or savings instantly, with Touch ID and Face ID

Apply for a Zopa loan in minutes with no fees or paperwork

Speak to helpful humans on live chat

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Hello, we're Zopa

When we started in 2005 our ambition was to create better solutions for everybody’s money needs. Since then we’ve helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust.

We give our customers a fair deal as standard and our products are built so that we win when you win. Managing your money is no sweat. With handy tools to get stuff done and helpful people always at the end of a phone. We listen to what you want and change with your needs.

Learn more about us

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What our customers think

Fast efficient service and very easy to…Fast efficient service and very easy to navigate their system. Would definitely use again
Mrs A J5 days ago
Really easy to use serviceReally easy to use service, all online and simple. Highly recommend for their loans
Hannah BBeeabout 11 hours ago
Absolutely great experienceAbsolutely great experience Fantastic rate Great ap Good Comms No problems Literally life changing Highly recommended
Dave Carrollabout 16 hours ago
Quick easy and pain-free when you need…Quick easy and pain-free when you need it the most
Inge Halfyardabout 23 hours ago
easy, efficient, honesteasy, efficient, no false promises or hopes of borrowing what they later decline. Good customer service. Great app.
Jlc3 days ago
I took out a loan to consolidate loansI took out a loan to consolidate loans. They were fantastic. I then was able to pay off Zopa in full with no problem. Fantastic company.
Sharon Stevens3 days ago
Good Product Supplier & It works !Good Product Supplier & It works !! 👍
Kevin Hardy3 days ago
Excellent serviceExcellent service
customer3 days ago
Genuinely good.Easy to apply, responsible lender, well-functioning app.
customer4 days ago
ExcellentExcellent, simple and straightforward process for loans and credit cards.
Anonymous All4 days ago
Excellent serviceExcellent service Really good rate
Julie Chapman4 days ago
Simple procedure to applySimple procedure to apply, instant decision and fast transfer of funds. Easy to pay off loan early without any complications.
Charlie5 days ago
Fast efficient service and very easy to…Fast efficient service and very easy to navigate their system. Would definitely use again
Mrs A J5 days ago
Really easy to use serviceReally easy to use service, all online and simple. Highly recommend for their loans
Hannah BBeeabout 11 hours ago

Based on 19623 reviews

British Bank Awards

British Bank Awards 2021

For the fifth year in a row, Zopa has been named the British Bank Awards’ Best Personal Loan Provider. And, for the very first time, we were recognised as Best Credit Card Provider. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. We’re hugely proud of winning these awards, so thank you to everyone that voted for us!

See our awards