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Zopa

Award-winning UK digital bank — loans, savings, credit cards, car finance, and Biscuit bank account

LoansAvailable in English
4.0/ 5
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Free account

Founded:2005
HQ:United Kingdom
Regulator:FCA
Protection:€85,000

Rating breakdown

Overall
4.0
Fees
3.5
Platform
4.5
Safety
4.0
Product range
4.0

Pros

  • 11-time winner at British Bank Awards — proven quality
  • FSCS protected and Trustpilot rated Excellent
  • Full banking: Biscuit account, savings, loans, credit card, car finance

Cons

  • UK-only — not available in Europe
  • Started as P2P lender — banking is relatively new
  • Interest rates on loans may not beat high-street banks

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading

Availability

Languages

English

Available in 1 country

🇬🇧United Kingdom

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Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always do your own research before investing.

Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer