Welcome to Zopa Bank

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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."
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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

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Based on 19665 reviews

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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

What we’ve been up to

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

Zopa’s 2025 Fintech Pledge announces financial education programme

We’re proud to announce the 2025 Fintech Pledge (pledge2025.org), an industry scheme led by Zopa, has partnered with The Money…

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Zopa acquires DivideBuy in 2023 embedded finance push

We are thrilled to share that we are set to acquire DivideBuy’s point-of-sale (POS) finance technology and lending platform.

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Zopa raises £75 million

Today we’re proud to announce we have raised £75 million ($93m) to drive our next phase of growth, supporting our vision to…

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"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."

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