Published decisions
456
Firm-specific decision volume in the public corpus
Firm analysis
Zopa Bank Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Zopa Bank Limited, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
36.0%
164 upheld decisions
Page summary
456 published decisions involving Zopa Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
456
Firm-specific decision volume in the public corpus
Upheld rate
36.0%
164 upheld decisions
Latest published decision 24 Aug 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
456
Firm-specific decision volume in the public corpus
Upheld rate
36.0%
164 upheld decisions
Leading product
Consumer Credit
311 decisions
Leading complaint theme
Affordability Assessment Failure
90 tagged decisions
Zopa Bank Limited at a glance
AnalysisZopa Bank Limited appears in 456 published decisions in this corpus. 36.0% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 311 decisions and an upheld rate of 41.2%.
- Latest active year in the published data: 2026 (52 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisZopa Bank Limited's decision trail runs from 2020 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Zopa Bank Limited appeared in 52 published decisions with an upheld rate of 19.2%.
- 2026: 52 decisions, 19.2% upheld
- 2025: 157 decisions, 22.9% upheld
- 2024: 144 decisions, 44.4% upheld
- 2023: 76 decisions, 55.3% upheld
- 2022: 18 decisions, 38.9% upheld
Themes, products, and precedent signals
AnalysisAffordability Assessment Failure is the strongest complaint-theme signal tied to Zopa Bank Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Section 140a Cca, Conc, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Consumer Credit: 311 decisions
- Second complaint theme: Fraud Or Scam Concern
- Second precedent signal: Section 140a Cca
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-631846324 Aug 2026Upheld
Zopa Bank Limited · Banking and Payments
For the reasons above, I uphold the complaint. Zopa Bank Limited should pay Mr S £150 to reflect the distress and inconvenience this caused.
View source decisionDRN-615897321 Aug 2026Not upheld
Zopa Bank Limited · Consumer Credit
I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 17 September 2026.
View source decisionDRN-634477321 Aug 2026Not upheld
Zopa Bank Limited · Consumer Credit
For the reasons given, and while I reiterate my sympathy for Mr K, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr K to accept or reject my decision before 18 September 2026.
View source decisionDRN-636176921 Aug 2026Upheld
Zopa Bank Limited · Consumer Credit
My final decision is that I’m upholding Mr F’s complaint. Zopa Bank Limited should pay Mr F £100.
View source decisionDRN-618176214 Aug 2026Upheld
Zopa Bank Limited · Consumer Credit
For the reasons explained, I uphold Mr L’s complaint about Zopa Bank Limited. And subject to Mr L’s acceptance they are to follow my directions above.
View source decision