Welcome to Zopa
Better banking all round
Effortless products. Great value. Unlock it all in our award-winning app, including Biscuit, a bank account for people who like generous banking.
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Biscuit by Zopa
Tuck into the free bank account with cashback and interest.
Download the appExplore our bank accountWelcome to award-winning banking
We build banking people love – but being recognised is a nice little extra.
Better banking, all from our app
We’ve built an app to help make managing your money stress-free.
See your credit score and what you could borrow with Borrowing Power.
Instant access to your bank account, loans, credit card or savings.
Apply for a Zopa loan in minutes with no fees or paperwork.
Speak to a real person on live chat or phone, Monday to Saturday.
The best of Zopa banking – now on Apple Pay
You can now add both your Zopa credit card and Biscuit debit card to Apple Pay. It's quick, convenient and easy.
Get set up in seconds – right from your iPhone.
Explore Apple Pay
Your money’s protected
Zopa's covered by the Financial Services Compensation Scheme (FSCS).
To learn more, visit fscs.org.uk.
Trusted by over 1.5 million Zopa customers
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We've been lending since 2005 and already offer award-winning credit cards, personal loans and savings accounts.
What we’ve been up to
Intel, updates, company news and beyond, the Zopa blog has the latest.
Your Personal Savings Allowance Explained
Just like most other forms of income, you may need to pay tax on the interest you earn from saving. But there are plenty of legitimate ways to reduce that tax – often to zero. One of the most useful tools is your personal savings allowance (PSA): a chunk of savings interest you can earn each year completely tax-free. There are also other allowances and tax wrappers – like Zopa’s Cash ISA – that can help keep your tax bill low. We've put together this guide to walk you through the essentials, so you can make the most of what's available to you.
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Balanced vs Bold: Which fund is right for you?
Choosing a ready-made investment fund is a quick, easy and affordable way to start investing. It takes a lot less time and experience than making your own investment portfolio from scratch, and it’s cheaper than having someone personally manage one for you. At Zopa, we offer two ready-made funds: Balanced and Bold. All you need to do is pick the one that suits you and the risk level you’re looking for. Here’s more information to help you choose.
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Should I save or invest?
Every other social media influencer seems to be investing – or so the algorithm would have you believe, anyway. And with investing more accessible than ever (thanks to digital platforms), it’s tempting to join them. But whether to save or invest your money is a personal choice – one that depends on your financial situation, your short-term needs, and your long-term goals. In this guide, we’ll help you decide which makes sense and when.
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