About us
Welcome to Zopa. Welcome to better banking all round.
Combining the reliability of a high street bank with the ease of app-based banking, we aim to offer our customers more value than both.
Founded in 2005, we’re now trusted by over 1.5 million people across the UK to help them make the most of their money. We’ve lent out over £13 billion, look after more than £5 billion in savings, have 600,000+ customers using our credit card and are proud to be rated Excellent on Trustpilot from 30,000+ reviews.
Along the way, we’ve picked up a stack of awards for our loans, credit cards, car finance and savings products — but despite all that experience, we’re still just getting started.
In 2025, we launched our Biscuit bank account — a current account that’s much sweeter than the average. Customers can open an account in minutes and with interest on balances, cashback on bills, an exclusive savings rate and everything managed effortlessly in our app, it’s built to help our customers get more dough with less effort.
How we got here
We’ve been providing loans since 2005, when we launched the world’s first peer-to-peer lending company. Back then, we shook up the world of finance by giving people access to simpler, better value loans and investments. That drive to do things differently — and better — still shapes everything we do today.
In 2020, we launched Zopa Bank. This was a big moment for us: it meant we could bring all our lending know-how, customer insight and tech expertise into a new kind of bank — one that’s built on the belief that you shouldn’t have to choose between ease, trust and value.
That’s why our savings accounts are easy to open and help our customers grow what they’ve got, faster. It’s why our loan rates are often among the lowest out there, with no hidden catches and applications that can be completed in minutes. And it’s why our bank account combines mouth-watering value with sweet simplicity. As a digital bank, all this and more comes together at your fingertips, and can be accessed anytime in our app.
It's win-win, making it easier for our customers to get more from their money. This is better banking all round.
Welcome to award-winning banking
With products that are easy to use and value that’s hard to beat, we’ve found a winning recipe that our customers love.
We're regulated by these authorities
Financial Conduct Authority
Zopa is regulated by the FCA. The FCA takes responsibility for regulating the conduct of financial services firms and markets.
Prudential Regulation Authority
We are also authorised and regulated by the Prudential Regulation Authority (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.
Trusted by 1.5 million Zopa customers
Here's what they're saying:
