Our story

In 2005 we created the first ever peer-to-peer lending company. Our founders saw an opportunity to create a better financial services experience, making things fairer for people seeking loans and offering a higher reward for those looking to invest.

We are so passionate about doing the right thing for customers that we co-founded the Peer to Peer Finance Association (P2PFA) and lobbied hard for more regulation across the peer-to-peer sector (which we achieved in 2014). In 2017, we became the first major peer-to-peer lender to offer an Innovative Finance ISA (IFISA) in response to customer demand.

We've weathered a recession, learnt from it, built up a reputation for consistency and prudence in a world of uncertainty following the crash. We've learned from our past and use it to plan our future.

Since 2005 we've helped hundreds of thousands of customers to take the stress out of managing their money by building our company 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 bank, but our bank will have a few differences:

  • Our customers get a fair deal as standard. At Zopa there are no catches like offers for new customers only or charges for settling your loan early. Our products are built so that we win when our customers win.
  • Managing your money is no sweat. With handy tools to help our customers get stuff done and helpful humans to talk to if they need it.
  • We go beyond 'good enough'. We listen to what our customers want and change to meet their needs. We're built for the future so we can evolve easily and use the latest tech to give our customers a great experience.
    • We're on a one-way mission to be the FeelGood Money™ company.

"Our bank will allow us to give more people a better experience with their finances by introducing more simple and fair products"

— Jaidev Janardana, CEO



Zopa receives a bank licence with restrictions. This is called the 'mobilisation phase' of the process where the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) put some restrictions in place prior to granting Zopa's full licence. Once our bank licence is fully in place next year, it will allow us to launch a wider range of great products.


Zopa launches the Zopa IFISA, allowing customers to earn tax free interest on their peer-to-peer investments, and Zopa Core, its latest peer-to-peer investment product


Zopa opens a development centre in Barcelona


Zopa is granted full authorisation by the Financial Conduct Authority for peer-to-peer lending (Article 36H)


Zopa announces plans to launch a next generation bank, offering FSCS-protected savings products and overdraft alternatives


Zopa launches a new suite of investment products: Zopa Access, Zopa Classic and Zopa Plus, giving investors more choice in how they lend their money


Zopa starts working with institutional investors, allowing a more diverse customer base


The Financial Conduct Authority starts regulating the peer-to-peer industry, a move that Zopa has long supported


Zopa launches the Safeguard fund as a tax-efficient way for investors to offset bad debt


The financial crisis hits and Zopa continues to provide positive returns to investors throughout


Zopa is launched to the public and originates its first loan


Zopa is founded as a market place for lending and borrowing with a management team drawn from those who founded Egg in the UK

We're here to help

Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7580 6060 for loans

Telephone: 020 7291 8331 for investments

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