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 you want and change with your needs. We are built for the future so we can evolve as quickly as possible, using the latest tech to give you the best possible experience.
“Zopa plans to create a bank with no hidden charges or confusing interest rates.”
— The Times
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.
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.
Board members & backers
We are proud to have a breadth of business and technology experience represented on our board and within our backer group.
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