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.
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."
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.
Pilar 3 disclosures, Annual Report and Accounts
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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
Based on 16713 reviewsRead 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.
We’re happy when you’re happy
UK Finance member
Best Personal Loan Provider
4.6 / 5 out of 16,713 reviews
Most Trusted P2P Platform
Best customer service 2018