Zopa - Get paid £10 to sign up (instant) 🔥

Free Money — Free Money — Zopa

Earn - £10 | Time - 2 minutes | Cash Needed - £0

Zopa is a digital bank and financial services company based in the UK, offering a variety of products including personal loans, credit cards, savings accounts, and car finance. New users can get a £10 bonus for signing up with their refer a friend scheme.

To claim the £10 bonus:

1. Sign up here through our community referrals platform.

2. Get £10 instantly into your new Zopa bank account which you can withdraw or spend straightaway *(Most of the payments are made straightaway but it can take up to 30 days according to live chat, see here).

3. Zopa are running a trial referral scheme in which some people can refer up to 10 people. This will give both the referrer and the new sign up £10 each.

   * Zopa also offer a Savings account with 7.5% interest which you can pay £300 into monthly & 2% cashback on direct debits (up to £30 per year) find out more here.

Will this impact my credit score? Here’s what Zopa have to say - ‘When you apply for a Zopa bank account, we’ll run a soft search on your credit file to help verify your identity – but this doesn’t impact your credit score.’

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FAQ’s

• Is Zopa a safe bank?

  • Yes — Zopa is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

  • If you hold savings with Zopa, they are protected up to £85,000 under the Financial Services Compensation Scheme (FSCS).

  • Their mobile‑app banking uses standard security measures (PIN, biometric login, optional extra verification) to protect account access.

• Who is Zopa?

  • Zopa started in 2005 originally as a peer-to-peer lending service, connecting borrowers and individual lenders.

  • Over time, Zopa evolved: it is now a fully licensed digital bank rather than only a P2P platform.

  • Zopa describes itself as combining “the reliability of a high street bank with the ease of app‑based banking.”

• Does Zopa accept “bad credit”?

  • Zopa does consider credit applications even if you’ve had credit struggles before. According to one card‑review source, if you’ve “struggled to get approved for credit elsewhere,” Zopa may still consider your application.

  • However, like most lenders, final approval will depend on a full credit check (a “hard search”) when you formally apply.

  • Zopa may be more flexible than some lenders, but “bad credit” does not guarantee approval, and how “bad” is defined likely matters.

• What are the drawbacks of Zopa?

  • The transition away from peer‑to‑peer (P2P) lending: Zopa closed its P2P-investment business in 2021, meaning those interested in investing via P2P can no longer do so.

  • With credit cards: although the card has useful features, the representative APR is quite high, making it potentially expensive if balances are not cleared monthly.

  • As with many digital‑only banks: no physical branches, so services like cash or cheque deposits are not available; everything is managed via the app. (This is also a limitation with their new current‑account product.)

• How do I contact Zopa?

  • Postal address: Zopa Bank Ltd, 1st Floor, Cottons Centre, 47‑49 Tooley Street, London, SE1 2QG

  • Customer‑service phone: 020 7580 6060

  • Email (general enquiries): contactus@zopa.com

  • Email (data protection / privacy enquiries): privacy@zopa.com