Zopa

Zopa is a UK bank that started in peer-to-peer lending and now offers banking through one app. Its Biscuit current account lets customers choose between cashback and extra interest, Smart Saver offers flexible savings pots, and it also provides personal loans, credit cards and car finance, with Apple Pay support. Zopa has introduced an AI banking assistant and works with partners such as Hive to help UK homeowners spread the cost of home improvements. Deposits are protected under the UK scheme, and Zopa says it has more than 1.5 million customers.