zopa.com

4.6
4.6 Based on 798 reviews

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 wit...

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Average Rating

4.6

/
5

798 Reviews

5 Star
85%
4 Star
4%
3 Star
1%
2 Star
2%
1 Star
9%

Filtered Reviews

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Review Time

jeff jackson
Great service

Great service, the app is very easy to use and get updates from. The bank and savings accounts are some of the best on the market. I totally recommend Zopa.

5
Date of experience: Nov 20, 2025
Mary Soper
Disappointed

Disappointed, went to pay off my loan early paid £8,824 off over the last 15 months to be then told I have to pay a £628 early repayment fee and I have somehow only paid a total of £2,200 off the £25k loan in total. This should be illegal! I have never paid late or missed a payment. Disgusting!! I haves used Zopa before and didn’t pay the epc

1
Date of experience: Nov 20, 2025
Joe Dee
ptoblems signing in to the account from new device

if anything goes wrong with signing into your account from a different device then youre stuck.because changing your password doesnr work,the site will ask you to type in the email account you signed up with and they claim they have sent you a link.B I G LI E ! ! !Had this problem with Revolut alsocant get my money backso another county court action on the list of litigations

1
Date of experience: Nov 20, 2025
Mr Robert Oldham
excellent

very easy format excellent quality product

5
Date of experience: Nov 20, 2025
Hannah
Credit card is fine but live chat is pretty awful

Using the credit card itself is fine, the app is self explanatory. The only issue is that sometimes the pay date doesn't get flagged which results in missed payments which obviously means I incur charges and it affects my credit score which is quite annoying.The live chat function is shocking. I got kicked out 3 times for 'inactivity' despite waiting for them to reply to me. It is quite frustrating.

2
Date of experience: Nov 20, 2025
Rosseli Cobianchi
Zopa has rapidly climbed up to be the…

Zopa has rapidly climbed up to be the best bank out there in my opinion, unfortunately my employer does not yet recognise zopa bank but hopefully in the future I can transfer my bank details so I can get my wages paid into my zopa account.

5
Date of experience: Nov 20, 2025
Appalling company Supporting Scammers

Appalling company. Had a personal loan with them, all went ok.Loan paid off, I then started to get experian credit searches that I never requested. Somebody was applying for credit without my consent. Asked Zopa to close my account but as fraudster had applied for credit in last 30 days I couldn't close the account!! What a joke of a company! AVOIDI have full transcript of live chat

1
Date of experience: Nov 20, 2025
Haweii
Avoid this incompetent bank!

Zopa claims to offer the reliability of a high street bank with the ease of app banking, but their standing order system proves otherwise. Payments falling on weekends aren’t retried, and customers aren’t even notified when a standing order fails.Because of this, I missed the funding window for my regular saver account. When I raised the issue, Zopa admitted they don’t retry or notify, refused to backdate payments, and told me I “could have resolved it by checking my account within the month.” That’s not reliability — that’s negligence.A bank that shifts blame onto customers instead of fixing basic safeguards is simply incompetent.

1
Date of experience: Nov 20, 2025
customer
A company that operates in a…

A company that operates in a straightforward,transparent fashion!Highly unusual but refreshing!Enquiry through application through decision process handled efficiently with no fuss

5
Date of experience: Nov 20, 2025
Helen Wells
App is really easy to use

App is really easy to use. Good company to deal with

5
Date of experience: Nov 19, 2025

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Business Details

  • 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.

    Need some help with one of your products or would like to get hold of our team? Head to https://www.zopa.com/help to find everything you need.See more

  • language https://www.zopa.com

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