Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
Level 12, 20 Water Street, Canary Wharf, London, E14 5GX, United Kingdom
In the full report: 3 background checks
When zopa.com first appeared online, and whether it can receive email
What kind of line 020 7580 6060 is
Who else gives the postcode E14 5GX
Other names(4)
If you were contacted under any of these names, it is this firm.
DivideBuy Trading name: A name it trades under now.
Zopa Trading name: A name it trades under now.
Zopa Financial Services Limited Former name: A name it was registered under before.
John Lewis & Partners Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact
information to appear genuine. Check whatever you were given below, and
against the firm's real details above.
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
Hold or safeguard your money FSCS may apply
Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
ComplaintsOmbudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
Accepting Deposits
Arranging (bringing about) deals in investments
Arranging safeguarding and administration of assets
Credit Broking
Dealing in investments as principal
Debt Adjusting
Debt Administration
Debt-collecting
Debt-counselling
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Making arrangements with a view to transactions in investments
Providing Credit Information Services
Providing Targeted Support
Limits on what they may do
Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises
Appointed Representative Permission Requirement
1. This Requirement applies to the Firm in relation to each of its appointed representatives. The Firm must not, without the prior written consent of the FCA, enter into a written contract with any of its appointed representatives to carry on the regulated activity of debt adjusting pursuant to the Firm’s Part 4A permission for debt adjusting limited to adjusting-settlement of regulated consumer hire agreements in relation to vehicles. 2. If at any time the Firm wishes for any of its appointed representatives to carry on the regulated activity of debt adjusting pursuant to its debt adjusting permission, the Firm must apply to the FCA for a variation of this Requirement pursuant to section 55L(5) of the Act.
Financial Ombudsman complaints
Ombudsman complaints
new complaints, January–June 2025
617
upheld, against a 31% median
21%
about banking and credit
615
A bigger firm gets more complaints simply because it has more customers.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
44
closed down
18
are FCA-registered
12
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 44 companies, named
What each company does, and whether it is still trading
Which of these 12 directors sit on each board, and since when
Any that went into liquidation or administration
The 12 on the FCA register, including one no longer authorised
The 4 companies these 12 directors run together
All 20 people who have ever been directors, with their dates
Key dates in its history
Zopa Bank’s history from the FCA register and Companies House, newest first.
FCA imposed a requirement (Appointed Representative Permission Requirement)
FCA register
2021
26 August 2021
FCA warned the public about a scam impersonating this firm
FCA warning list
2019
17 January 2019
Changed its registered name from "Zopa Financial Services Limited"
FCA register
2018
3 December 2018
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA imposed a requirement (Not permitted to canvass off trade premises)
Became authorised by the FCA
FCA register
2017
20 February 2017
Incorporated at Companies House
Zopa Group PLC took control (75–100% of shares)
Companies House
In the full report: all 45 events
All 45 events in its history (9 shown here)
Every director appointment and resignation: 30
Firms connected to Zopa Bank
Other FCA-listed firms that share a director, phone number or address with Zopa Bank. A link shows who the firm is tied to, not whether either can be trusted.
connected firms
3
share a director
3
past links
9
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: all 3 connected firms, named
How each is linked: shared directors (3)
Who links each one: the named directors, with dates
9 past links through former directors
Firms like Zopa Bank
Other firms of the same type (bank or building society), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Zopa Bank
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
44 other companies its directors have run, named
3 background checks on its contact details
All 45 events in its history
3 connected firms, named, and who links them
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FirmSearch Report
Zopa Bank Limited
Reference 800542 26 October 2026
Frequently asked questions about this firm
Is Zopa Bank Limited FCA authorised?
Yes, Zopa Bank Limited (FRN 800542) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2018 and works as a bank or building society. The FCA has placed 2 limits on what it may do.
What is Zopa Bank’s phone number and website?
The FCA register lists the phone number 020 7580 6060 and the website zopa.com for Zopa Bank. If you were given different contact details, use these to check with the firm before going any further.
Is Zopa Bank a scam or clone?
Scammers have impersonated Zopa Bank: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Zopa Bank, shown on this page.
Is my money safe with Zopa Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Zopa Bank to the Financial Ombudsman Service, free of charge.
Who owns Zopa Bank?
Zopa Bank is owned by Zopa Group PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 20 February 2017.
Who runs Zopa Bank?
Companies House lists 12 directors of Zopa Bank: Jaidev Janardana, Paul Alexander Cutter, Richard Frank Goulding, Gaenor Bagley, Stephen Jon Hulme, Michael Charles Woodburn and 6 more.
How long has Zopa Bank been in business?
The company was formed on 20 February 2017, and has held its current FCA authorisation since December 2018.
How many complaints does Zopa Bank get?
In January–June 2025, the Financial Ombudsman Service received 617 new complaints about Zopa Bank, and upheld 21% of those it decided.
Does Zopa Bank use any other names?
It trades as DivideBuy and Zopa. It has previously used 2 other names: Zopa Financial Services Limited and John Lewis & Partners.