Zopa
Neobank
Savings
Personal
Credit Card
Сredits and loans
Investing/Trading
Mobile Apps

Zopa was the first peer-to-peer lending startup to begin in 2005. The fintech company provides inexpensive loans with low-interest rates, allowing clients to manage their money without stress. They revealed their aim to become a bank in 2016, and in December 2018, they were awarded an unrestricted banking license.

Services

  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

  • Crypto

Details

Details
Founded:

2005

Has mobile app:

Yes

Has web version:

Yes

Has apple pay:

Yes

Has google pay:

Yes

Contacts:
Languages:

English

Emi type:

Neobank

Available in these countries:

GBR

Jurisdiction:

GBR

Licenses:

FCA

Main info

Main info
Main service fee text:

0 GBP

A missed payment fee of £12 if you don’t make your minimum monthly payment on time.

Account opening fee:

0 GBP

Deposit fee:

Bank transfer
Faster Payments

Withdrawal fee:

Bank transfer

Main currency:

GBP

Number of currencies:

1

Conversion fee:

0%

Credit:

Personal loans/ Car loans/ Debt consolidation loans/ Home improvement loans/ Wedding loans: 15,4%

Interest account:

Smart Saver: 2,12-2,55%
Fixed Term Savings: 4-4,56%

Card

Money transfer

Card
Has card:

Yes

Has virtual card:

Yes

More info:

Rates from 24.9%, Representative example: 34.9% representative APR variable based on an assumed credit limit of 1200 GBP. 34.9% p.a. variable purchase rate.

Payment card type:

Credit

Card provider:

Visa

ATM withdrawal fee:

3 GBP/transaction

Card limits:

1500 GBP

Money transfer
Money transfer speed:

20 minutes up to 2 hours

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