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 since 2005. Back then, 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 our Smart Saver, Smart ISA and fixed term savings, all backed by FSCS protection – and a credit card to help customers take control of their finances. 

We’ve lent out over £10 billion, take care of more than £4 billion in savings and are proud to have made money work better for over a million people across the UK. 

  • 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.

"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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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.

The ride so far…

The ride so far… From starting the peer-to-peer industry in 2005 to becoming Zopa Bank – here's our story.

Our story

What our customers think

Zopa, the UK's oldest peer-to-peer lender, has become the first major company of its kind to be granted authorisation by the City regulator

Financial Times

We’re happy when you’re happy

UK Finance member

Best Personal Loan Provider

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4.3 / 5 out of 19,000+ reviews

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Most Trusted P2P Platform

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Best customer service 2018