Zopa

Zopa was founded in 2005 as a peer-to-peer lending company.

In 2017 Zopa became fully regulated by the Financial Conduct Authority so it could offer more financial products. In 2018 Zopa was awarded a banking licence to offer even more financial products - aiming to offer credit cards and a fixed savings deposit to customers in 2019.

Their headquarters are based in London, UK, and they have an office in Barcelona.



Zopa
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Gold ribbon: first place

Personal loans

Ranked 3rd of 25 providers reviewed.

Customer happiness 74.35%
Customer trust 63.24%
Complaints performance 79.31%
Transparency rating 50.68%
Fairer Finance score
Reviewed Autumn 2020
67%

Credit cards

Credit builder credit cards

Zopa

Credit Card

4 stars
Representative APR i 34.90%
Representative cash transaction interest rate i 2.53%
Representative purchase rate i 2.53%
Risk based? i
Initial minimum credit limit i £200
Representative balance transfer rate i

Foreign use credit cards

Zopa

Credit Card

4 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 0%
Representative APR i 34.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.53%