Zopa blog

6 months • 17th Mar 2026

Current account vs savings account: how to find the right fit for your finances

When it comes to opening a bank account, you’ll normally be choosing between two options: a current account or a savings account. But what’s the difference? And how do you know what’s the best option for your finances?

Connor Campbell

1 year • 9th Jul 2025

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

10 years • 15th Jul 2016

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

10 years • 11th Jul 2016

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

10 years • 21st Jun 2016

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.

11 years • 17th Feb 2016

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

Money Stories

11 years • 8th Sep 2015

Zopa's arrears management process explained

Treating customers fairly and delivering value to them is the central idea behind Zopa. This means giving consistent returns to the lenders while offering competitive rates to our borrowers. Our responsible lending practices created through sophisticated data analysis and underwriting has enabled Zopa to fulfill this promise for the last 10 years.

11 years • 12th Jun 2015

Zopa announces partnership with Metro Bank

We have today announced that Zopa is partnering with Metro Bank to allow the bank to lend its funds on our platform, a first of its kind in the UK. This exciting development in the UK’s financial services industry is the first partnership between a UK P2P platform and a retail bank.

11 years • 20th May 2015

Home Improvement Index - DIY ROI

Us Brits love our homes, we consider them to be our castles and the main asset we own. We also love the odd bit of DIY, although most of us would probably admit that we are less handy in reality.

Money Stories

12 years • 4th Nov 2014

Introducing the Zopa Savings calculator

So as well as knowing you are getting a great interest rate on Zopa it’s also important to know the amount in pounds you can expect for being a regular saver. That is why we have created the very handy peer to peer savings calculator to bring the benefits to life and clearly show the