See all your Zopa products and Borrowing Power in one place
We’re Zopa. We’re not your average bank – we’re building ours with you – by listening to the real-life stories our customers share with us.
We’re on a mission to make money Feel Good, by offering great value financial products and tools to make managing your money easy. We make solutions you want. Not gimmicks you don’t.
Our mobile app makes everyday banking stress-free. So instead of opening your laptop, you can effortlessly manage your Zopa Smart Saver, loan, credit card or fixed term savings account in a few taps of your phone.
• Open a Smart Saver, create pots and boost your interest rate
• Check your balances instantly and securely with Touch ID and Face ID
• Make loan or credit card payments in a few taps
• See where you’re at with your savings
• Get your Borrowing Power, a 1-10 rating that shows how we see you as a lender
• Check your credit score for free
• Speak to helpful humans through live chat if you need any support
Our credit card home page and repayment journey got a revamp!
Ratings and Reviews
By far the best loan experience I’ve ever had. From application to early redemption it’s been a walk in the park; no messing around from Zopa - they set it up, funds straight into your account, and best of all the app you use to then access your account was the simplest I think I’ve ever encountered. And this morning thru hard work I was able to repay the loan some 9 months early...and asking for a redemption figure took about a second..one click, and the loan is repaid. Highly recommended. Thank you Zopa. 😎👍😎
Developer Response ,
Hi there, thanks so much for your great review of our services, we're really pleased you had a great experience! We love to use our customer reviews in our social channels - like this - https://www.instagram.com/p/CEGw1rAnGEC/ - and we'd love to do the same with yours. If you're happy for us to do this, please could you send us a note at firstname.lastname@example.org saying 'I approve for my review to be used'?
Used to be great.
I have great all the way through on my borrowing power, excellent credit scoring, borrowed and settled before with Zopa, with no missed payments, in the same job, but now on even more money than before, but offered very poor rates. Due to Covid borrowers are now now being offered pretty bad deals to protect investors, as customer services pointed out. I’m a key worker, I’m lucky to have my job I know, but I picked this career as it was safe. Rather than take the money in the good times, broke in the bad! I don’t see why I should pay much higher rates to cover now broke investors? I will be going with NEYBER for new transport, my companies loan partner at much much better rates. Or direct with the car manufacturer. Even my bank offered me better rates than Zopa! Used to be great, and fair, not so when you have to cover investors investments. The borrowing power goal posts have been adjusted, as I have all five power ratings as great on my overview, so great all the way through, with excellent credit, credit cards paid off each month, key worker secure job, but still only being offered good 8/10 loan rates! Even my credit card is a lower rate, offering more money! Updated all year and still only offering good rates instead of great rates! Ok if you are desperate I guess?
Very Impressed so far!
After my wife was turned down by the Halifax for a loan to purchase a car ( I approached Zopa for a loan. I had never used Zopa before, but Wow, how easy and hassle free the application process was. The whole process was literally completed within minutes, from the start of the application to the funds being available in my account! So refreshing and simple. Take note high street banks, change your ways or get left behind. Well done Zopa!
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- Zopa Group Ltd
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- © Zopa Bank Ltd 2018 - 2022
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