British digital bank Zopa has launched investments for the first time.

The bank said the move is designed to support the UK’s new generation of first-time investors.
Zopa Investments will offer two funds, Balance and Bold, offering average returns of 4.5 per cent and 9.3 per cent respectively, with customers able to invest as little as £1.

The launch is part of Zopa’s move to build what it calls the ‘House of Money’, a centralised hub for all its customers’ financial needs.

The company said that it plans to introduce a selection of Exchange Traded Funds (ETFs) as well as user experience additions such as insights and prompts to help customers get the most from the product.

Zopa said it will roll out investments in beta to existing customers before rolling out to the wider public in early 2026.

The company will initially target the15 million UK adults who hold more than six months' income in cash but are not yet investing.

The funds are being managed by Invesco, one of the world's largest investment managers with over $2 trillion in assets.

They are connected to Zopa using Upvest's API infrastructure.

The bank said that there is a need for products aimed at new investors, with research from the Financial Conduct Authority (FCA) showing that currently around £614 billion sits idle.

The study also reveals that almost 40 per cent of Brits lack confidence in their long-term financial goals.

"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,” said Merve Ferrero, chief strategy officer at Zopa Bank. “Our customers already trust Zopa with over £6 billion of their savings, and have been asking for a simple way to begin investing

“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."

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