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.
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Biscuit by Zopa
Tuck into the free current account with cashback and interest.
Download the appExplore our current 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.
Is it worth switching current accounts? A complete pros and cons guide
Switching current accounts is easier than you might think. Thanks to the Current Account Switch Service, your new bank can handle the transfer for you. But the important question isn’t really whether switching is possible. It’s whether the account you’re switching to is better than the one you have.
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How to switch current accounts: a step-by-step guide
Switching your current account could take as little as 7 working days, thanks to a free resource called the Current Account Switch Service. Zopa isn’t part of it yet, but will be joining later in 2026. Here's what you need to know about switching, whether you're using the Current Account Switch Service or not.
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