Zopa Bank Limited

About Zopa Bank Limited

UK digital bank providing personal loans, credit cards, savings accounts and car finance through a mobile app and web platform. Founded in 2005 as a peer-to-peer lender, it obtained a full banking license in 2020 and now serves retail customers with fixed-term savings, personal loans up to £35,000, and credit cards. The company operates without physical branches, using data-driven underwriting and automated decisioning. Headquarters in London, regulated by the PRA and FCA, it has funded over £6 billion in loans to UK consumers.