Zopa blog
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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?
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Should I save or invest?
Every other social media influencer seems to be investing – or so the algorithm would have you believe, anyway. And with investing more accessible than ever (thanks to digital platforms), it’s tempting to join them. But whether to save or invest your money is a personal choice – one that depends on your financial situation, your short-term needs, and your long-term goals. In this guide, we’ll help you decide which makes sense and when.
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A beginner's guide to shares
Chances are, you've heard of shares. They're one of the most widely known types of investment but that doesn't mean they're widely understood. The industry jargon might put many people off, while others balk at the seemingly mysterious movements of the stock markets. Here, we cut through the jargon and mystery to explain shares in simple terms.
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Understanding market crashes
Rumours of a stock market crash can feel unsettling. It doesn’t help that news and social media seem to be competing to maximise the drama. But here’s the thing: most people will live through multiple crashes in their lifetime. Experiencing one for the first time is almost an investing rite of passage.Once you know what starts a crash, how long it’s likely to last and what happens afterwards, the idea of one probably won’t feel as daunting.
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Zopa Bank delivers £65 million profit in 2025
2025 was a big year for Zopa — not just in numbers, but in what those numbers represent. We delivered £65 million in underlying profit before tax, nearly doubling our 2024 performance. It marks our third full year of profitability, and another step forward in building what we’ve always set out to create: the Home of Money.
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ISAs explained
An Individual Savings Account (ISA) is a way to save or invest money without paying tax on the interest or returns you earn. Nearly half of UK adults have one – and for good reason. But there are quite a lot of rules about opening and contributing to an ISA and – just to keep you on your toes – these rules can change from year to year. But don’t let that put you off. This guide explains everything clearly and simply.
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My investments have gone down – should I sell?
If you’ve checked on your investments recently and felt a bit nervous, you’re not alone. We all know that ups and downs are a normal part of investing – but it doesn’t always feel that way when they happen. Market drops can be worrying, especially if they continue for several days.
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How to start investing
At its most advanced level, investing is a complex mix of science, data, and instinct. But it’s actually pretty straightforward to get started. Almost anyone can learn the basics and confidently take the first few steps towards growing their money over the long-term. From there, you can build your knowledge over time or stick with a simple strategy that works for you. Let’s go through the basics.
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Diversity, Equity & Inclusion at Zopa Bank: 2025 Annual Update
At Zopa Bank, our purpose is to be the home of money for our customers. We aim to be a place where financial products deliver good value and managing money is made effortless, and deep and long-lasting relationships mean customers are left confident about their choices. But our mission goes beyond financial products. We’re building a fairer financial world, and that same spirit of fairness and inclusivity is at the heart of how we build our teams and culture.
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