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.
In 2020 Zopa launched it's credit card, it also offers loans and savings accounts.
Their headquarters are based in London, UK, and they have an office in Barcelona.
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| Customer happiness | 77.11% |
|---|---|
| Customer trust | 64.08% |
| Complaints performance | 75.56% |
| Transparency rating | 71.19% |
| Fairer Finance score Reviewed Autumn 2022 |
72% |
| Representative APR i | 34.9% |
|---|---|
| Representative cash transaction interest rate i | 2.526% |
| Representative purchase rate i | 2.526% |
| Risk based? i | |
| Initial minimum credit limit i | £200.00 |
| Representative balance transfer rate i |
| Foreign purchase fee i | 0% |
|---|---|
| Foreign withdrawal fee i | 0% |
| Representative APR i | 34.9% |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Risk based? i | |
| Representative purchase rate i | 2.526% |