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. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. The reason for doing this was simple: to provide even more ways to empower our customers to FeelGood about money.

Both our bank and P2P business are inspired by our customers’ real-life stories. Your stories fuel our mission to help people FeelGood about money. To make money fairer – for everyone. To make managing money easy. And to make a real difference when the unexpected happens. This is what we stand for.

  • 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 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."

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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.

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.

Our story

What our customers think

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Brilliant service
Joanne Gill
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Excellent service.
Chris Runciman
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Great experience
Gary
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I’m not one for leaving reviews but…
Woody Keys
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Based on 14615 reviews

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Zopa, the world’s oldest peer-to-peer lender, has moved a step closer to competing with established retail banks on their home turf.

The Financial times

We’re happy when you’re happy

UK Finance member

Best Personal Loan Provider

Five stars on Trustpilot

4.9 / 5 out of 14,615 reviews

Moneywise Award Logo 2019

Most Trusted P2P Platform

Moneyfacts Award Logo 2019

Best customer service 2018

What we’ve been up to

Intel, updates, company news and beyond, the Zopa blog has the latest.

Savings: how to get started in 2020

For many of us, the last few months have been a wake-up call when it comes to our finances. We…

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Payment arrangements: should you take one and what happens next

Our real money correspondent, Laura Whateley explains what you should consider when taking on or extending a payment arrangement The…

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How we have meaningful real money stories with our customers

At Zopa we use in-depth customer interviews to help us understand how we can really help people with their finances.…

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