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.

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.

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

We’re happy when you’re happy

2018 Highly Commended

Trusted Loans Provider

Moneywise Customer Service Awards 2018

Winner at British Bank Awards 2019

Best Personal Loan Provider

British Bank Awards 2019

Winner at Moneyfacts Consumer Awards 2018

Best Customer Service

Moneyfacts Consumer Awards 2018

2016 Winner of MoneySuperMarket Supers

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), Friday (8am to 5pm)

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.

020 7580 6060