Zopa Bank Limited

Reference number: 800542

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

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.

Also trades as
  • DivideBuy
  • Zopa

Company details

From the company's Companies House record.

Company number
10627575
Company status
Active
Company type
Private limited company
Incorporated
20 February 2017 (9 years old)
Registered office
Level 12 20 Water Street, Canary Wharf, London, E14 5GX, United Kingdom
Nature of business
  • Banks (SIC 64191)

Current directors and secretaries

Name Role Born Appointed
Jaidev Janardana Director Feb 1979 31 Mar 2017
Paul Alexander Cutter Director Aug 1969 30 Jan 2018
Richard Frank Goulding Director May 1959 30 Jan 2018
Gaenor Bagley Director Dec 1964 13 Dec 2018
Stephen Jon Hulme Director Jun 1971 30 Mar 2021
Nicholas Aspinall Director Aug 1964 12 Jan 2022
Gordon Mccallum Director Apr 1960 12 Jan 2022
Michael Charles Woodburn Director Nov 1970 12 Jan 2022
Philippa Lambert Director May 1969 1 Jun 2023
Max Alexander Ohrstrand Director May 1989 30 Oct 2025
Victoria Elizabeth Matthews Secretary Not published 22 May 2020

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.

Fake email addresses (5)
  • fastcredittoday@gmail.com
  • fastcredittoday365@gmail.com
  • instantservicenow@gmail.com
  • quickservice234@gmail.com
  • veryfastcustomerservice@gmail.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • 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.
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.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Zopa Financial Services Limited

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • John Lewis & Partners

Complaints record

In January–June 2025, the Financial Ombudsman Service received 617 new complaints about this firm, and upheld 21% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 615
  • Investments 2

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is Zopa Bank Limited FCA authorised?
Yes, Zopa Bank Limited (FRN 800542) is authorised by the FCA to carry out regulated activities.
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.
Is Zopa Bank a scam or clone?
Zopa Bank is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Zopa Bank's Firm Reference Number (FRN)?
Zopa Bank's FRN is 800542. You can verify it on the FCA register.