Zopa
UK digital bank offering personal loans, credit cards, car finance, savings, current accounts and investments to UK consumers.
Zopa was founded in London in 2005 as the world's first peer-to-peer lending platform. It got a full UK banking licence in 2020 and now offers loans, credit cards, car finance, FSCS-protected savings, the Biscuit current account (launched June 2025) and Zopa Investments (launched November 2025). Its results published in March 2026 showed revenue of £377m, profit of £65m (up from about £34m), deposits of £6.4bn and 1.7m customers. It has raised about $1–1.2bn from investors including SoftBank Vision Fund 2, A.P. Moller Holding, IAG Silverstripe, Northzone and Bessemer, and its post-money valuation was about $1bn as of December 2024.
