Zopa

Zopa is a pioneering financial services brand that launched in 2005 as the world's first peer-to-peer (P2P) lending platform. Originally founded in the United Kingdom, it aimed to bypass traditional banks by connecting individual lenders directly with borrowers, fundamentally changing the landscape of consumer finance.

Over the years, the brand transitioned from a pure P2P model to becoming a fully licensed digital bank. It now offers a wide range of services including savings accounts, credit cards, and personal loans. The company operates primarily within the British market and is headquartered in London, where it carries out its core product development and financial operations.

Zopa Bank Limited is the parent entity and ultimate owner of the brand. While it has received significant backing from international investment firms and private equity groups such as IAG Capital Partners and SoftBank, it remains an independent British fintech company. The brand continues to lead modern banking innovation through its digital-first approach and customer-centric financial products.