Zopa blog

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Can you have more than one current account?

There’s no limit on how many current accounts you can have. Here's why the FCA’s chief says a second account is worth having, plus the pros, cons and credit score impact.

Connor Campbell
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Personal Finance tips
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How does cashback work on a current account?

A cashback account rewards you for payments you make every month. Learn how cashback is calculated, what qualifies, and what to look for in an account.

Emma Mitra
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Personal Finance tips
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Why we're building a bank

In November, we announced our intention to launch a next generation bank. This week, at AltFi Europe, I spoke about why we are uniquely placed to do this, how we see our banking products fitting into the personal finance landscape and how this fits into Zopa’s vision.

Jaidev Janardana
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Newsroom
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Declaring your Zopa earnings to HMRC

With the new tax year fast approaching, we’ve put together a handy guide to help you find what you need to do to declare your Zopa investments to HMRC. Do I have to pay tax on the money I earn through my Zopa investments? All Zopa earnings are paid to you without any tax deducted,

Zopa Blogger
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Personal Finance tips
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We have a new look!

After months of research, development, and testing, we’re thrilled to unveil our brand new look. This fresh new identity will give us a springboard for our ambitious plans to bring our products to even more UK consumers, and create radically personalised services that will help people fully realise their financial potential. While a lot has

Tamsin Fanning
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Newsroom
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Zopa announces plan to launch "Next Generation" Bank

We launched Zopa in 2005 to create a richer life for everyone by making money simple and fair. Since then, we have lent over £1.8bn, inspired a £100bn global industry and helped our lenders earn over £75m of interest. We have built a profitable, scalable and viable business. Yet we’ve only just begun.

Jaidev Janardana
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Newsroom
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Zopa's performance during the 2007/8 recession

As I sat down to write this, the media were avidly discussing the potential of the first interest rate move in seven years – not up as we were discussing a few months ago, but down to almost unprecedented lows.

Tamsin Fanning
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Newsroom
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Zopa and credit scores

We want to explain exactly how Zopa uses your credit history and other information to make lending decisions. Step one – the soft credit search When you ask for a quote from Zopa, we initially perform a soft credit search. This involves asking our two credit reference agencies, Equifax and Callcredit, for information about your

Tamsin Fanning
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Personal Finance tips
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The Zopa soft search and your credit file

If you apply for a loan, credit card or mortgage but get rejected, it can – in some cases – make you even less likely to obtain a deal elsewhere. This Catch-22 situation facing borrowers is due to the fact that formal loan applications are recorded on their credit files.

Chris Torney
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Personal Finance tips
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Introducing our new lender products

Today, we are very excited to announce the next generation of Zopa lending products! Over the past months we’ve been listening to our lenders about what they want from their lending products, and what matters most when it comes to lending through our platform.

Zopa Blogger
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Newsroom
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How to sell your home through online agents

September is a prime time to sell your home: everyone’s back after the summer holidays, the weather is still ok and thoughts have yet to turn to Christmas. But how we sell our properties is changing thanks to the rise of a number of internet-only estate agent services, such as eMoov, PurpleBricks and the Sarah

Chris Torney
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Money Stories
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