Welcome to Zopa Bank
Smart Saver for flexible savings pots
Start savingLoans that are simple and stress-free
See your ratesA credit card built to put you in control
Let's goCar finance options to get you moving
Compare"Straight forward application process, very clear and easy to understand, no hidden costs, excellent customer service."
Get Zopa on the go
We’ve built an app to help make managing your money stress-free. Keep on top of your loan, credit card or savings, know your credit score and more.
Check your credit score and how to borrow at your best rate with Borrowing Power.
See your Zopa loan, credit card or savings instantly, with Touch ID and Face ID
Apply for a Zopa loan in minutes with no fees or paperwork
Speak to helpful humans on live chat
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Hello, we're Zopa
When we started in 2005 our ambition was to create better solutions for everybody’s money needs. Since then we’ve helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust.
We give our customers a fair deal as standard and our products are built so that we win when you win. Managing your money is no sweat. With handy tools to get stuff done and helpful people always at the end of a phone. We listen to what you want and change with your needs.
Learn more about usWhat our customers think
Excellent service and fast
6 hours ago
Excellent professional service so far, but have only just started my journey with Zopa. Fairly certain though that it is going to be a good one!
8 hours ago
i have used Zopa for a few years now and always been happy with their service. Easy application form and very good interest rates. i have had a loan and also use their credit card as again good interest rates. The mobile app is really good and simple…
Read more9 hours ago
British Bank Awards
British Bank Awards 2023
Zopa Bank has been named the British Bank Awards’ Best Personal Loan Provider for the sixth time. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. We’re hugely proud of winning these awards, so thank you to everyone that voted for us!
See our awardsWhat we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
Zopa Bank doubles full year profit to £34.2 million
2024 was another standout year for Zopa. We grew our customer base to 1.4 million and doubled our profit before tax to £34.2 million, underscoring Zopa Bank’s remarkable trajectory since its launch in 2020.
Zopa to move to landmark new headquarters amidst 2025 growth blitz
Zopa will almost double its office footprint as it makes plans to relocate to brand-new headquarters at 20 Water Street in Canary Wharf.
An update on diversity at Zopa in 2024
At Zopa Bank, our people are connected by purpose and a shared mission to create a fairer financial world that makes every penny count. We do this by offering fair, simple, and intuitive financial products that add great value to the lives of our customers. We extend our values of fairness and inclusivity onto our culture and the way we build teams and enable our colleagues to do great work.
"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."