About us

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

"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."

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 are now 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.

Peer-to-Peer Finance Association

Before 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.