Zopa, the UK digital bank trusted by 1.6 million customers, has partnered with Upvest, Europe’s leading investment infrastructure provider, as it launches its new Investments offering in the UK.
The new launch is designed to help Britons grow their money confidently and remove long-standing barriers that prevent first-time investors from entering the market. According to the companies, millions of UK adults hold more than six months’ income in cash but have yet to begin investing, highlighting a significant gap Zopa aims to address.
Zopa, founded in 2020 with a full banking licence, blends the agility of digital banking with two decades of lending experience. The bank has lent over £13bn to UK consumers and has become one of the country’s highest-rated financial brands.
The new Zopa Investments offering will be available in both General Investment Accounts and ISA wrappers. Powered by Upvest’s Investment API, the product will allow customers to begin investing in minutes with as little as £1 and benefit from flexible withdrawals throughout the tax year while maintaining their full ISA allowance. Zopa will initially launch the service in beta for existing customers before opening it up more widely in early 2026.
Future updates will introduce a range of Exchange Traded Funds (ETFs) alongside additional user experience features, including educational insights and personalised prompts to help customers maximise returns and improve confidence.
A major feature of the collaboration is seamless ISA transfers. Upvest’s infrastructure enables internal transfers between Zopa’s Cash ISA and its new Stocks & Shares ISA, as well as smooth external ISA transfers with real-time status updates.
Zopa CSO Merve Ferrero said, “For far too long, Brits have been sitting on billions of cash — not because they don’t want to invest, but because they don’t know where to start. At Zopa, we’re changing that.
“We’re thrilled to be working with Upvest to unlock Investments for millions of UK consumers for the first time. Bringing Investments and Stocks & Shares ISA accounts alongside savings and cash ISAs under one Zopa roof gives our customers more financial control, all within a simple, education-led platform designed to build confidence and peace of mind.”
Upvest UK general manager Symmie Swil said, “We’re proud to be powering Zopa’s brand new capabilities with Upvest’s Investment API. Our partnership will make investing easy, simple, and trustworthy for Zopa’s 1.6 million customers as it enters its next phase of growth.
“Zopa is a trusted brand empowering people to build wealth and take greater control of their finances, and it sits at the forefront of digital banking innovation. With Upvest’s technology, Zopa is seamlessly integrating investing alongside current accounts, offering customers a holistic view of their finances and meeting them where they are. We’re delighted to partner with Zopa as they expand their offering and make wealth building accessible to a new generation of British investors.”
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