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Zopa

Banco · Reino Unido

Acerca de la empresa

Razón socialZopa Bank Limited
Año de fundación2005
Sede / país de registroLondon, United Kingdom
Sitio webwww.zopa.com
Última comprobación08.10.2026

According to its official website, Zopa is a London (Canary Wharf) based UK digital bank that was founded in 2005 as the world's first peer-to-peer lending company and launched Zopa Bank in 2020. The bank says it is trusted by more than 1.5 million people, has lent more than 13 billion pounds, looks after more than 5 billion pounds in savings and has more than 600,000 credit card customers. Its products include the free Biscuit current account with a choice of cashback or extra interest, easy access, limited access and fixed term savings accounts, cash ISAs and a stocks and shares ISA, personal loans, a credit card, car finance (HP and PCP) and retail finance. Savings accounts start from 1 pound and accept up to 250,000 pounds. Services are provided through the mobile app, with live chat and phone support from Monday to Saturday. The site says Zopa is covered by the FSCS. According to the Bank of England list and the FCA register, Zopa Bank Limited is authorised by the PRA to accept deposits and is regulated by the FCA and the PRA. This information is the company's own statement.

Datos de la cuenta

TIPOS DE CUENTACurrent account (Biscuit) · Easy access, limited access and fixed term savings account · Cash ISA · Stocks and shares ISA
DEPÓSITO MÍN.1 GBP (savings accounts)
PLATAFORMASMobile app
PRODUCTOSCurrent account · Savings · Cash ISA · Stocks and shares ISA · Personal loans · Credit card · Car finance · Retail finance

Licencias y regulación

FCA (Reino Unido)

N.º de licenciaFRN 800542
Titular de la licenciaZopa Bank Limited
AlcanceAuthorised by the PRA to accept deposits according to the Bank of England list of 1 Oct 2026; listed in the FCA register under Zopa Bank Limited (FRN 800542), regulated by the FCA and the PRA.
EstadoVerificada

Quejas de usuarios

Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.

Periodo analizado: agosto de 2026 – octubre de 2026

  • Préstamos y tarjetas de crédito: 30
  • Otros: 19
  • Bloqueo y congelación de cuentas: 19
  • Retiros y pagos: 13
  • Atención al cliente: 9
  • Operaciones no autorizadas: 7

MUY ALTO — NIVEL DE QUEJAS

El 6 % de las entidades con registros de quejas recibió más quejas que esta.

POR TEMA — Préstamos y tarjetas de crédito: Muy alto · Otros: Muy alto · Bloqueo y congelación de cuentas: Muy alto · Retiros y pagos: Alto · Atención al cliente: Alto · Operaciones no autorizadas: Muy alto

FUENTES CONSULTADAS

The complaint distribution is based on the latest 1-star reviews on the Zopa Trustpilot page (97) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Zopa name are left out. Across the complaints, loan and car-finance settlement and direct-debit problems, account restrictions and unavailable ISA transfers stand out.

Fuentes e historial de verificación

Fuentes oficiales de la empresazopa.com — homepage, About, Savings, footer
Registros del reguladorBank of England PRA list of banks (1 Oct 2026) · FCA — Zopa Bank Limited, FRN 800542 (register.fca.org.uk)
Registro mercantilCompanies House — Zopa Bank Limited, company no 10627575
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
Última verificación08.10.2026

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