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Your money never stands still at Zopa. As soon as you transfer funds into your Zopa account you earn 0.75% below the prevailing Bank of England base rate (click here for the current base rate), and once it gets lent out, you'll earn even more.

Zopa quotes

This is Money

"According to Barclays Capital's analysis of the historical performance of asset classes, (lender returns at Zopa) are better than the annual return from cash and gilts over the past 10 years, and have certainly been better than a saver would have seen from bonds over the past two years."

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Great returns

You control the returns you earn
at Zopa. By choosing your rates
and the markets you lend in,
the amount you make is up to you

The Zopa markets are a way of grouping borrowers based on their credit level (A*, A, B, C or Young) and how long they want to borrow for (36 or 60 months). The graph below shows, by market, the average rates enjoyed by lenders on the money they've lent.

Average lending rates graph

(Click here for the current Bank of England base rate)

You can offer in as many markets as you like. Most Zopa lenders spread their money over a range of markets so that their money is available to more borrowers.

Next... It's safe