The FeelGood Money™ company
In 2005 we built the first ever peer-to-peer (P2P) lending company to give people access to simpler, better-value loans and investments. 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.
It works so well that we want to give our customers access to other great products and tools, empowering them to better manage their money. That's why we've launched a different type of bank.
- 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 one-way mission to be The FeelGood Money™ Company.
“Zopa, the world’s oldest peer-to-peer lender, has moved a step closer to competing with established retail banks on their home turf.”
“Zopa plans to create a bank with no hidden charges or confusing interest rates.”
We’re regulated by these authorities
Financial Conduct AuthorityIn 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 are now also regulated by the FCA as a bank.
Prudential Regulation AuthorityWe 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.
Peer-to-Peer Finance AssociationBefore FCA regulation, the P2PFA created a set of standards for P2P companies to follow to ensure transparency and customer protection. Today it's supported by over half of the companies in the market and remains focused on maintaining high standards for the protection of consumers and small businesses.
What our customers think
Great service with no early repayment charges. Would recommend to anyone.
Brilliant people, very helpful and very quick decision, easy to apply, very good website, easy to contact, good competitive rates. Would strongly recommend to family and friends - even strangers.
A really superb service! Flexible, prompt and honest. Thank you.
I find the services offered by Zopa to be one of the best on the market. Affordable, easy to access.
Borrowing as it should be. Honest, fair and accessible.
3 easy apps. Application, approval and online app.
Straightforward loans and easy to use online system. Settled early and saved a packet. Thoroughly please with Zopa.
We’re happy when you’re happy
Trusted Loans Provider
Moneywise Customer Service Awards 2018
Best Personal Loan Provider
British Bank Awards 2019
Best Customer Service
Moneyfacts Consumer Awards 2018
Best Personal Loans Provider
MoneySuperMarket Supers Awards 2016
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
We’re here to help
Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).
Please note, we will be closed during the bank holiday between Friday 19th to
Monday 22nd April inclusive. We’ll be open again at 8am on Tuesday 23rd April.
We can't take applications over the phone.
UK residents only. Calls may be monitored or recorded.