Zopa Bank Financial Services

Zopa was founded in 2005 as the world's first peer-to-peer (P2P) lending platform, originating in the United Kingdom. It played a pioneering role in the fintech sector by connecting individual lenders directly with borrowers, bypassing traditional banking intermediaries. Over the years, the company evolved significantly, shifting its focus from P2P lending to becoming a fully licensed digital bank.

In 2020, Zopa Bank was officially launched after receiving its full UK banking license. This transition allowed the company to expand its product suite beyond personal loans to include savings accounts and credit cards. Today, it is recognized as a leading UK 'challenger bank,' focused on providing fair and transparent financial products powered by proprietary technology.

The brand is owned by Zopa Group Limited, which has raised substantial capital from various global investment firms. While it has transitioned through several funding rounds involving international investors, it remains headquartered in London and operates as a British-regulated financial institution under the Prudential Regulation Authority and the Financial Conduct Authority.