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
A free-to-open bank account with cashback and interest.
Download the appExplore our bank accountWelcome to award-winning banking
When our customers are happy, we are too and it’s nice to be recognised.
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 helpful humans on live chat or phone, 7 days a week.
Your money’s protected
Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.
Please ask for further information or visit www.fscs.org.uk.
Trusted by over 1.4 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’s 2025 Fintech Pledge achieves 25 million actions goal
Zopa's 2025 Fintech Pledge has now hit 25 million consumer actions, its overall goal and more than DOUBLE the campaign’s original target of 10 million.
Zopa raises £80 million in AT1 capital with LSE bond listing
Successful AT1 raise on London Stock Exchange clear validation of Zopa’s strong financial performance and growth potential.
Zopa Bank doubles full year profit to £34.2 million
2024 was another standout year for Zopa. We grew our customer base to 1.4 million and doubled our profit before tax to £34.2 million, underscoring Zopa Bank’s remarkable trajectory since its launch in 2020.
