I am genuinely shocked that Zopa is operating as a bank. I recently asked a friend to lend me money so I could take my wife to an important appointment. She transferred the funds immediately, but the amount never appeared in my Zopa account. When I contacted customer service, I was advised to wait up to eight working days. I explained the urgency of the situation, but nothing was done to help.Due to this delay, I had no choice but to cancel my wife’s appointment and pay a non-refundable cancellation fee. To check whether my account was even functioning, I transferred money from another one of my own accounts—and it took almost 10 hours to appear.I then attempted to close my account entirely, but Zopa placed a restriction on it, leaving me unable to access or withdraw anything. When I asked the customer service team for a complaint reference number, they simply refused and told me to “call back” for updates, with no timeline or assurance.If you want your money to get stuck, lose valuable time, and deal with unhelpful support, then Zopa is highly recommended. Otherwise, save yourself the stress and look elsewhere.
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We’re Zopa, and we want to make money work better for you. With 16 years of tech know-how, customer understanding and money expertise, we've helped hundreds of thousands of people take the stress out of money. We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future.
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