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.