Welcome to Zopa

Better banking all round

FSCS logo
ExcellentAverage star score of 4.5 in trustpilotTrustpilot logo

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 in a bowl with the Zopa debit card

Biscuit by Zopa

A free-to-open bank account with cashback and interest.

Download the appExplore our bank account

Smart Saver

Flexible savings pots with competitive rates.

Start saving now

Loans

The simple and stress-free way to borrow.

Personal loan rates

Credit card

A card built to help you take control of your spending.

Credit card eligibility

Car finance

Get moving with smart car finance options.

Car finance options

Welcome to award-winning banking

When our customers are happy, we are too and it’s nice to be recognised.

trophy11 times winnerAt the British Bank Awards.

Better banking, all from our app

We’ve built an app to help make managing your money stress-free. 

flash_on

See your credit score and what you could borrow with Borrowing Power.

fingerprint

Instant access to your bank account, loans, credit card or savings.

acute

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

Chat

Speak to a real person on live chat or phone, Monday to Saturday.

Apple App Store Logo inviting people to download
Google Play Store Logo inviting people to download

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. 

Trustpilot logo
Average star score of 4.5 in trustpilot

Based on 30614 reviews

Read more reviews

What we’ve been up to

Intel, updates, company news and beyond, the Zopa blog has the latest.

Featured

Current account vs savings account: how to find the right fit for your finances

When it comes to opening a bank account, you’ll normally be choosing between two options: a current account or a savings account. But what’s the difference? And how do you know what’s the best option for your finances?  

Does opening a bank account affect your credit score?

We take a look at when opening a bank account does and does not affect your credit score, whether closing an account has any impact on your rating, and the difference between a hard and soft credit check.  

What are the advantages of a current account?

A good current account should help you manage your money, grow it, and get more from your day-to-day spending. From debit cards to credit scores, this guide breaks down the key advantages of current accounts, as well as a few things to watch out for.

More from the blog

Featured in

  • Financial Times
  • Media
  • The Times Logo
  • Media