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. 

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.



Zopa
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Gold ribbon: first place

Personal loans

Ranked 2nd of 23 providers reviewed.

Customer happiness 70.78%
Customer trust 57.47%
Complaints performance 86%
Transparency rating 56.87%
Fairer Finance score
Reviewed Autumn 2021
68%

Credit cards

Credit builder credit cards

Zopa

Credit Card

5 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%