Regulatory Compliance
18/20
FCA regulated, FSCS protection for savings, mature lending standards[6][7].
Customer Satisfaction
21/25
4.9/5 from 65,000+ reviews, 80% would recommend Zopa[3][4].
Product Value
17/20
Competitive rates, no hidden fees, instant decisions, flexible terms[1][4][7].
Customer Support
12/15
UK-based support, praised for helpfulness but no branches[7].
Accessibility
7/10
App, web, phone and chat, but no branches[7].
Transparency
9/10
Clear rates, soft search, no hidden fees, transparent T&Cs[7].
Security
8/10
Strong digital security, instant notifications, mature platform[6][7].
Reputation & Innovation
9/10
Fintech pioneer, over £10bn lent, evolving into a digital bank[6][7].
