About us

We’re Zopa, and we want to make money work better for you.

Our diverse team is united in their mission of creating simple, fair and honest financial products that have the customer’s needs at their heart. We’re proud that this dedication is reflected in our excellent rating on TrustPilot.

We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future.

We’re not the new kids on the block though - we’ve been a pioneering force in finance for 16 years. In 2005, we built the first ever peer-to-peer (P2P) lending company, giving our customers access to loans built for real-life and intelligent investments backed by cutting-edge tech. In 2020, we launched Zopa Bank, meaning we could offer more – like fixed term savings backed by FSCS protection and a credit card to help customers take control of their finances.

Today, our bank and our P2P business run alongside each other, with the same ethos and the same mission. We’ve lent out over £6 billion and are proud to have made money work better for over half a million people across the UK, whether they were looking to borrow, save or invest.

  • You get a fair deal as standard. At Zopa there are no catches like offers only for new customers. Our products are built so that we win when you win.

  • Managing your money is no sweat. With handy tools to help you get stuff done and helpful people to talk to when you need to. Easy.

  • We go beyond 'good enough'. We listen to what our customers want and change with their needs. We are built so we can evolve easily and use the latest tech to give you a great experience.

We're on a mission to make money Feel Good, with products designed to do Real Good.

"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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The Times

We're regulated by these authorities

Financial Conduct Authority

In 2014 consumer credit organisations – including p2p – began to be regulated by the FCA (previously we were regulated by the Office of Fair Trading). We welcomed this as Zopa, along with Ratesetter and Funding Circle, had lobbied the government for more regulation in our sector to help protect consumers. Since December 2018, we’re also regulated by the FCA as a bank.

Prudential Regulation Authority

We also adhere to the requirements set by the PRA, one of the successors of the Financial Services Authority (FSA). It's operated by the Bank of England and is designed to ensure the stability of UK financial system.

The ride so far…

The ride so far… From starting the peer-to-peer industry in 2005 to becoming The FeelGood Money Company® – here's our story.

What our customers think

TrustPilot Five star ratingAn illustration of five stars
Good experience
Lu
TrustPilot Five star ratingAn illustration of five stars
Excellent company to deal with highly…
Paul Crowther
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Stable and Solid
Matt Whitfield
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Excellent company to deal with the app…
Potty
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Based on 16117 reviews

Read more reviews

Zopa, the world’s oldest peer-to-peer lender, has moved a step closer to competing with established retail banks on their home turf.

The Financial times

We’re happy when you’re happy

UK Finance member

Best Personal Loan Provider

Five stars on Trustpilot

4.7 / 5 out of 16,117 reviews

Moneywise Award Logo 2019

Most Trusted P2P Platform

Moneyfacts Award Logo 2019

Best customer service 2018