Expert investing, made easy
No jargon. No fuss. Just pick from two ready-made investment funds designed to help your money grow over time.
Choose from our Stocks & Shares ISA or General Investment Account (GIA) to start investing in minutes.
The value of your investments can go up or down, so you could get less money back than you put in.
Be first in line for a Zopa investment account
Investing is coming soon – and you could be one of the first to try it. Join our waitlist to get early access.
By signing up, you agree to be added to our waitlist and for us to contact you about our investment account.
Zopa's ease with Invesco's expertise
Our investment account might be new, but we've partnered with Invesco – one of the world's largest investment managers. They've got over 90 years of experience and are trusted to invest over $2 trillion.
So you can invest with confidence – even if you're a complete beginner.
Investing made easy with Zopa bank
Simple and jargon-free
We know investing can feel daunting – but it doesn’t have to.
With Zopa, you’ll get clear, easy-to-follow content to guide you every step of the way. From figuring out how much to invest to understanding where your money's going, we’re here to make sense of it all – so you can invest with confidence.
Get started with just £1
Investing little and often soon adds up.
For example, if you put aside £100 a month for 10 years, you'd have £10,000. But if you'd invested that money, it could have grown to £18,900!
How we calculated this: We've based this on the average annual return of a fund similar to ours (60% shares, 40% bonds), using rounded data from 30 Sep 2015 to 2025. It doesn’t include fees. Just so you know – past performance isn’t a guarantee of future returns, and your investment can go down as well as up.
Transparent, low fees
Sit back and relax knowing there’s no hidden fees. You’ll pay just 0.54% a year – that’s 0.14% for Invesco and 0.40% for Zopa. This will be taken directly from your account once a month, so you don't have to worry about it.
Based on a £1,000 investment, that's around 45p a month (before any growth or withdrawals). Not bad for expert-built investing at your fingertips!
Plus, there’s no Zopa fee for your first 3 months.
Choose from two ready-made investment funds
Our investment funds were designed by the experts at Invesco. Both funds are well-diversified – meaning they spread your money across a range of companies, industries and countries, so your eggs aren't all in one basket.
Whether you're investing £1 or £10,000, your money will be spread across thousands of investments – so you're not relying on just one to perform well.
Balanced fund
4.5% 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
9.3% 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 31 Jan 2021 and 31 Dec 2024. While this is a useful guide, it can’t be used to predict future returns.
Invest in a way that works for you
At Zopa, you can choose to invest through a Stocks & Shares ISA or General Investment Account (GIA).
Stocks & Shares ISAs allow you to invest up to £20,000 a year and any returns you make will be tax-free.
General Investment Accounts (GIA) let you invest up to £250,000, but any returns you make are taxable. These are most suited to those who've already used up their annual ISA allowance.
Just remember, how much tax you pay depends on your individual circumstances, and tax rules can change.
Should I save or invest?
Investments work hand in hand with your savings
Savings give you short-term security. But investments could help your money grow over the long term – so you can stay ahead of inflation and build the future you want.
Although you can withdraw anytime, it’s best to stay invested for at least 5 years. This gives your money plenty of time to grow.
Over time, investments often outperform savings
Let’s look at how £1,000 could have grown over 5 years – depending on whether you saved or invested it.
In a typical easy-access savings account, your £1,000 might have grown to around £1,208.
If you’d invested it in a fund like ours, it could have grown to £2,277 – that’s almost double the return.
How we calculated this: Savings growth is based on an average AER of 3%. Investment growth uses the average annual return of a fund similar to ours (60% shares, 40% bonds), using rounded data from 31 Dec 2019 to 2024. It doesn’t include fees. Just so you know – past performance isn’t a guarantee of future returns, and your investment can go down as well as up.
Your money’s protected
Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.
Please ask for further information or visit www.fscs.org.uk.
Zopa Bank is trusted by over 1.6 million customers
Whether it's saving, borrowing or everyday banking – our customers trust us to make managing their money simple, rewarding and stress-free. And now we’re bringing that same experience to investing.
Ready to start investing with Zopa?
Sign up to our waitlist – we’ll let you know as soon as you can open an account with us (it'll be within a week).
By signing up, you agree to be added to our waitlist and for us to contact you about our investment account.