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Domain Due Diligence
Report for Zopa.com

Report Date October 21, 2025
Recommendation
Proceed
Overall Summary
Safe
Why we think so

Zopa.com belongs to Zopa Bank, a UK-based financial institution offering loans, credit cards, savings, and money management. It ranks well globally (#88,133) with around 437,000 monthly visits mostly from the UK. The website uses reputable technologies including Amazon and Microsoft services. Zopa has valid SSL certification, established domain registration since 2001, and is regulated in the UK. It features active social media and clear contact information. Trademark records confirm Zopa's brand is longstanding and protected in financial services. News and reviews show the bank has raised significant funding and operates transparently. There are no listings on scam blacklists or Google Safe Browsing warnings. Some user complaints detail delayed withdrawals or customer service issues, but no evidence shows the bank itself is fraudulent. Scams exist impersonating Zopa, but official warnings advise to only use the verified site and FCA-licensed entity.

Confidence Score
90%

Risk Insights

🏦

Established Brand and Technology Use

Domain active since 2001 with strong registrar protections.
Using industry-standard tech stacks including AWS and Microsoft.
Trademarks verified and legally registered for financial services.
✅

No Scam or Blacklist Flags

No detection on crypto or phishing blacklists.
Clear Google Safe Browsing status without threats.
Maintains valid SSL certificates and secure infrastructure.
⚠️

User Complaints Mainly Service-Related

Delays withdrawing funds reported in some cases.
Customer service responsiveness questioned by some users.
No evidence of fraudulent intent or scams by the bank itself.

Contradictory Signals

While Zopa has solid credentials, service issues impact user trust but do not indicate a scam.

Signal A: Reputable financial institution with regulatory oversight.

Signal B: Negative user reviews and service complaints.

Category Scores

Identity 90/100
Reputation 85/100
Technical 90/100
Content 85/100
Legal 90/100
Business Validity 90/100

Red Flags & Warnings

  • Customer complaints about delayed withdrawals and account access issues.
  • Negative reviews about customer service and fraud handling responsiveness.

🔎 Detailed Checks & Analysis

Domain Age and Registration

Score: 90/100
Passed

"Long registration period and protected domain statuses help prevent hijacking."

Reason: Domain zopa.com has been registered since 2001 with a reputable registrar MarkMonitor, indicating longevity and legitimacy.

SSL and Security

Score: 90/100
Passed

"No reported certificate issues or invalid configurations found."

Reason: SSL certificate is valid, issued by DigiCert and operational from August 2025 to September 2026, securing user data.

Traffic Volume and Source

Score: 80/100
Passed

"Traffic comes mainly direct and from search engines, typical for legitimate banking site."

Reason: The website receives ~437,000 monthly visits mostly from verified users in the UK, indicative of real engagement.

Trademark Verification

Score: 90/100
Passed

"Trademarks are active and assigned to known entities with verified legal addresses."

Reason: Multiple trademark registrations exist for 'Zopa' in financial services categories, confirming brand ownership.

Blacklist and Scam History

Score: 90/100
Passed

"No cybersecurity or fraud threats reported by automated risk detection systems."

Reason: No listings found for zopa.com on crypto scam blacklists or Google Safe Browsing lists.

Customer Feedback & Legal Disputes

Score: 70/100
Passed

"Zopa handles disputes with customer compensation and cooperation with Financial Ombudsman."

Reason: Some user complaints exist regarding delays and customer service, but no evidence shows systemic fraud or severe legal action.

Your Next Steps

  • 1
    Only use official website zopa.com and verify FCA registration when engaging with financial services.
  • 2
    Be cautious of clone or imposter sites using similar names; report suspicious activity to authorities.
  • 3
    If you experience service issues or lost funds, file complaints with Zopa and escalate to the UK Financial Ombudsman if needed.
  • 4
    Monitor updates from FCA for warnings about unauthorized firms impersonating Zopa.
  • 5
    Review customer feedback carefully but note no credible evidence suggests Zopa Bank itself is a scam.

Evidence & Citations

🕵🏻 Keep investigating

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