Investing made easy with Zopa
Built for beginners, backed by experts
Investing helps you grow your money over the long term. There may be ups and downs along the way, but over time (5+ years), it can help you build the future you want.
We know investing can feel daunting – but we’re here to make things simple. Just pick from 2 ready-made funds, invest as little as £1, and let the experts do the hard work for you.
Ready to start investing?
We’ve made it quick and easy to get set up. Just download the Zopa app, open an account and start investing from as little as £1.
Just bear in mind that investments can go up or down, so you could get less money back than you put in. It works best when you’re able to stay invested for at least 5 years and focus on the bigger picture.
Rated Excellent based on 30,000+ reviews
Why invest with Zopa
Simple, stress-free investing
We’ve stripped out the complexity.
No stock-picking. No jargon. Just choose from 2 ready-made funds, and we’ll take care of the rest.
Start small, grow over time
You can start from just £1 and add more whenever you like.
Investing isn’t all-or-nothing, it’s something you build over time.
Transparent, low fees
Our fees are competitive and easy to understand, so you always know what you’re paying and why.
No hidden costs. No nasty surprises. Just one simple yearly fee of 0.54% – that’s 0.40% for us and 0.14% for Invesco.
Built and managed by experts
Your money will be managed by Invesco, one of the world’s biggest investment managers.
They’ll keep an eye on markets and adjust your investments over time, so you don’t have to.
Before you invest
Investing works best when you start with these 2 steps:
1. Pay off any short-term debt
Debts like credit cards and payday loans usually cost more in interest than you could earn from investing.
2. Set aside some savings
Try to keep 3-6 months’ worth of living expenses in an easy-access savings account. That way, you won’t need to dip into your investments if any unexpected costs come your way.
Invest in a way that works for you
Zopa offers 2 investment options – choose the one that suits your circumstances and goals.
General Investment Account
A flexible investment option with no annual limits.
Ready when you are
However you choose to invest, you can get set up in a few taps with the Zopa app.
How your money's invested
Whichever account you choose, you’ll have access to the same ready-made funds. Both are built and managed by the experts at Invesco.
These funds are an easy and affordable way to invest – they spread your money across hundreds of companies around the world, so you’re not relying on just one to perform well. This helps reduce your investment risk and smooth out the ups and downs along the way.
Each fund is designed around a different risk level. Our Balanced fund is suited to more cautious investors, while our Bold fund is better for more adventurous investors.
In general, higher-risk funds offer more growth potential over the long term, but with bigger ups and downs along the way.
Balanced fund
4.81% average annual return*
Ideal if you’re aiming for steady long-term growth – and you’d prefer smaller ups and downs along the way.
Bold fund
9.04% average annual return*
Ideal if you’re aiming for higher long-term growth – and you’re comfortable with bigger ups and downs along the way.
*Average annual return tells you how much this fund has grown each year, on average, between 14 Jan 2021 and 30 Sep 2025. While this is a useful guide, it can’t be used to predict future returns.
Should I save or invest?
Savings and investments work better together
Savings are usually best for money you might need in the short term, like a holiday or emergency fund. But investments could help your money go further over time – so you can stay ahead of inflation and build the future you want.
It’s best to do both – keep some money easily accessible while investing any money you won’t need for at least 5 years.
Explore savings at Zopa
Long-term investments have the potential to grow more
Over the long term, investments have typically outperformed savings – although returns aren’t guaranteed.
For example, over 5 years:
£1,000 in a typical easy-access savings account could have grown to around £1,208.
£1,000 invested in a fund like ours could have grown to around £2,277.
That’s over 6 times the growth.
Savings growth is based on an average AER of 3%. Investment growth is based on the average annual return of a fund similar to ours (60% shares, 40% bonds) between 31 Dec 2019 and 2024. This doesn’t include fees.
Your money’s FSCS-protected
Eligible investments with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS). This means, if Zopa were to cease trading, your money would be protected.
The FSCS doesn’t cover losses from investments falling in value.
To learn more, visit fscs.org.uk
Zopa’s trusted by over 1.5 million customers
Whether it’s banking, borrowing, saving or investing, our customers trust us to make money simple, rewarding and stress-free.
Zopa investment account FAQs
Ready to explore investing with Zopa?
Whether you’re investing for the first time or building on what you already have, it’s easy to get started in the Zopa app.