Tandem Motor Finance, Oplo Car Finance and 1st Stop Car Finance have never used Discretionary Commission Arrangements when arranging car finance through our appointed dealers and brokers therefore any agreements we have written fall outside the scope of the current FCA investigation into discretionary commission.

We're 

building 

the 

UK's 

greener 

 digital 

bank

With more than 500 people working ‘in tandem’, we're here to help more people in the UK make greener choices that benefit both their pocket and the planet.

Inspired by a shared mission
We joined forces with Oplo, Allium and Loop to build the UK’s greener, digital bank. But we go beyond banking. Our mission is to provide tips, tools and personalised recommendations, to make it easier for more people to live a greener lifestyle.

Inspired by a shared mission

We joined forces with Oplo, Allium and Loop to build the UK’s greener, digital bank. But we go beyond banking. Our mission is to provide tips, tools and personalised recommendations, to make it easier for more people to live a greener lifestyle.
Man charging a yellow electric vehicle purchased with a Tandem motor finance loan.
Windmill turbine in the middle of a green field, creating renewable enery for greener homes.Traditional terraced UK homes that use Tandem Home Loans to make improvements.A young couple in the kitchen managing their finances and considering greener home improvements through their Tandem app.
Vivid blue solar panels harnessing the power of the sun to generate clean and sustainable energy.
OUR JOURNEY

2009

Oplo launched in 2009 to provide fairer access to financial products for all the hardworking Britons who have been left behind by traditional high street banks and other lenders. Since then, Oplo has approved more than £1 billion of responsible lending to customers across the UK.

Oplo logo
2014

Launching in 2014, Tandem was one of the UK's original digital challenger banks, providing access to simple, honest, and fair mortgage and savings products.

Tandem Bank logo
2018

Tandem bought Harrods Bank, which catered for high-net-worth individuals, offering a variety of current and savings accounts and mortgages.

Harrods Bank logo
2020

Tandem acquired the green home improvement loan specialists Allium Lending Group.

Allium logo
2022

Oplo merged with Tandem Bank, inspired by a shared mission to create a greener, digital bank for all.

Tandem Banking for a Greener Future logo
2023

In April 2023, Tandem acquired Loop, the UK’s first social network app focused exclusively on helping friends and family to easily and safely lend and borrow money with each other.

Loop logo
2009
2014
2018
2020
2022
2023
From 
A small green plant growing in dark soil, representing a brighter, greener future.
 loans 
for 
greener 
home 
improvements 
and 
vehicles, 
to 
EPC 
discount 
Hand holding a smart phone displaying a home EPC rating of A+ with a blurred kitchen visible in the background.
 mortgages, 
we’re 
here 
to 
make 
 it 
easier 
for 
more 
people 
to 
choose 
greener 
Bright blue solar panels on a red brick UK house roof with a light blue sky in the background.
 lifestyle
Drone shot of a UK lake with mountains and greenery surrounding it
OUR IMPACT
Tandem 
can 
help 
you 
enjoy 
life 
today, 
dream 
big 
for 
the 
future, 
and 
protect 
the 
world 
we 
all 
share 
for 
generations 
to 
come
01

97,000

Customers making greener choices
A smart home energy efficiency app displayed on a tablet screen showing an A+ energy rating.
02

£288m+

Green home improvement lending
A homeowner and engineer looking at an air source heat pump being installed on the outside of a UK home. The engineer is wearing a hard hat and holding a digital tablet. The homeowner is holding paper documents. An air source heat pump can help achieve a greener home.
03

49,000t

CO2 removed throughout 2022
An image looking up to the canopy of tall trees, with a blue sky peaking through the leaves.

Our people

With offices in Blackpool, Cardiff, London, Durham and Manchester, our team of more than 500 experts are working 'in tandem' to create a greener, more accessible bank for everyone.
4  companies
combined
Making us industry experts across a wide
range of financial products.
500+
employees
Bringing an array of backgrounds, cultures and expertise.
Hybrid in
25+ cities
Working together virtually and in person, across the UK and beyond.
Hubs in
5 UK cities
Bringing us together to make the real Tandem magic happen.
Team of Tandem employees collaborating in a meeting.
Together, we are Tandem
Our leaders
Driving the mission
Our Executive Team share many years’ experience in the financial services sector. Their real-life lending, credit risk, and technology expertise is crucial in our aim to create the UK’s greener digital bank.
Awards and reviews

Trusted by more and more people, wanting to make a difference

We’re rated Excellent on Trustpilot
120,000+ Tandem App downloads
Best App Based Savings Provider

Join us on our mission

We’re on a mission to help our customers reduce their carbon footprint and accelerate the UK to net-zero carbon emissions by 2050 and we need more people to help us achieve this goal.
A young man wearing wireless earphones while working on his laptop, embracing Tandem's hybrid and remote working options.