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 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.
A beginner's guide to shares
Chances are, you've heard of shares. They're one of the most widely known types of investment but that doesn't mean they're widely understood. The industry jargon might put many people off, while others balk at the seemingly mysterious movements of the stock markets. Here, we cut through the jargon and mystery to explain shares in simple terms.
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Understanding market crashes
Rumours of a stock market crash can feel unsettling. It doesn’t help that news and social media seem to be competing to maximise the drama. But here’s the thing: most people will live through multiple crashes in their lifetime. Experiencing one for the first time is almost an investing rite of passage.Once you know what starts a crash, how long it’s likely to last and what happens afterwards, the idea of one probably won’t feel as daunting.
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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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