Zopa at 15 🎈

2 min • 11 Mar 2020
Featured image for Zopa at 15 🎈

Looking back to 2005, our latest analysis demonstrates the strength of our investments

This March, we’re celebrating 15 years of Zopa. That’s fifteen years of online lending and giving customers access to simple, fair investment products.

Over this time, we’ve provided UK consumers with a stable, viable alternative investment. So to mark our milestone birthday, we’ve carried out analysis to highlight how much interest our investors could’ve gained with us from the very beginning.

A person investing £1,000 in Zopa back in 2005 could have earnt over £1,000 in interest by 2020, more than doubling their money over a 15-year period. With our blended return rate* over that time at 4.9%, an investor could have grown their money to £2,090 today.

The blended return rate* of 4.9% includes our average return rates through the financial crisis and takes into account compounding interest, but does not include additional money invested by the person into their account.

This analysis highlights the attractiveness of a Zopa investment and the personal loan asset class that we’ve built that helps our investors get the most from their money.

We’re also proud to announce that we’ve now returned over £350 million in gross interest to investors.

Natasha Wear, Zopa’s P2P CEO, said: “15 years ago, Zopa created the peer-to-peer lending model, focusing specifically on personal loans as an asset class. Offering investors a unique balance of risk and reward, tens of thousands of people have enjoyed a stable, reliable and attractive return on their investments. We firmly believe that our asset class, approach to risk management, and lending expertise, gives us a distinct advantage over both mainstream and alternative investment options.”

The £350 million in gross interest includes earnings of £158 million generated for retail investors and £193 million for institutional investors who lend through the platform.

Zopa offers customers two investments, Core and Plus. Investors can expect projected return ranges of up to 5% and 6% respectively, and both come as tax-free Innovative Finance ISA options.

When you invest your money with Zopa, your capital is at risk.

Check out the full breakdown of our analysis below.

Starting with £1,000 in March 2005


Average return rate

£ Returns

Starting with £1,000 in March 2005

TimeAverage return rate£ Returns
2005 year end4.95%£1,049.45
2020 YTD4%£2,088.48**

*Blended Zopa return based on the entire book – individual investors returns could vary based on product invested, individual matching, etc.

**Pro-rated for Q1 2020

Latest Articles

The Cost of Being Eco: Driving Sustainably

We all know that we need to do more to help the planet, which is why it is sometimes a little embarrassing to look out to the…

Your complete guide to the UK’s ULEZ, CAZ and LEZ - and what they mean for your finances

Across the UK, Clean Air Zones and Low Emission Zones are popping up to help tackle air pollution in cities and towns. We’ll dig…

Zopa raises £220 million to build the UK’s best bank for borrowing and savings

Today we’re proud to announce our latest fundraise of £220 million which will drive our next phase of growth.

We’re here to help

If you have any questions, our team are on hand to help.

Get help