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%

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Review Time

CHRISTOPHER PINNOCK
Zopa, Fair and Straight forward Credit Card Provider

Zopa have been a great Credit Card company, from the outset Zopa have shown they value me as a Customer. Its nice to know that a company help you walk through life's financial up's and down's with ease. Zopa are always there should I need them, always helpful and straight talking. I have been with Zopa for a while now and they have never let me down. I would recommend anyone looking for s straight forward credit card with no hidden nasties, to check out Zopa

5
Date of experience: Oct 26, 2025
William
Se easy to follow.

Got a decision quick and everything up and running about a week later when my card arrived, Easy to set up DD and easy to make 1 off payments. Easy to use with no problems

5
Date of experience: Oct 26, 2025
M Ramay
Very easy process

Very easy process, quick response, very practical application. Good 👍

5
Date of experience: Oct 26, 2025
Robert H
Brilliant banking app and saving pots…

Brilliant banking app and saving pots with great interest rates. I opened a Biscuit bank account and my wife opened one too and we both received £10 from me referring her. The banking app is pretty basic at the moment but does the job, but I suppose they have only been up and running a few months so I expect updates to the app will follow thick and fast, dark mode would be awesome. Watch out Monzo and Starling, these guys are going to be the one to watch.

5
Date of experience: Oct 25, 2025
Ryan Foskett
Easy, simple and rewarding.

Actively been using Zopa for over a year now and they're far far superior to major banks in every sense.The interest rates they offer actually reward you in comparison to major banks where you're lucky to return on 1%. The ease of withdrawing/depositing is very easy to setup. You can see where you're spending money with breakdowns on previous months. The only small gripe is the gentle reminders to encourage you to pull a loan out but pretty much they all do that.

5
Date of experience: Oct 25, 2025
Savio Fernandes
Zopa is really good app to operate…

Zopa is really good app to operate and help me lot in different ways . I'm so glad to have an account with ZOPA, and I would recommend all my friends to have ZOPA.

5
Date of experience: Oct 25, 2025
Al  Smith
Huge Cash ISA trap

Huge Cash ISA trapI have been a satisfied ZOPA customer for a number of years with a banking account, 2 savings accounts and 2 cash ISAs.The cash ISAs consist of 1 fixed term account expiring in April 26 and 1 easy access account.I was about to create a 2nd fixed term account expiring in October 26 and transfer in all the easy access funds.However I now understand that this would be a trap in that both fixed rate accounts would need to be transferred out at the same time meaning one has to close early with penalties. This is a huge flaw and Zopa should do the ethical thing and ensure that 2 fixed term ISAs cannot be opened.Update:Zopa have repeated the stock answer that all pots are classed as one ISA so all need to be transferred out at the same time, but they will look at it.But they fail to address the current issue of allowing 2 or more fixed term accounts with different end dates meaning 1 or more would have to be closed early with harsh penalties.This is a huge flaw and Zopa should do the ethical thing and ensure that 2 fixed term ISAs cannot be opened.

1
Date of experience: Oct 25, 2025
The application process is very easy…

The application process is very easy and straightforward and it was extremely easy to set up the online app . You can also set up a pre set payment direct debit and also other accounts that you can name to manage money and funds for certain things you might be saving for.

5
Date of experience: Oct 25, 2025
Andrew barton
My account with ZOPA

Well ive had a very easy time with the way that zopa organised my accont the metherd to pay them and the way tay treat the hole busness account for me its been a pleasurable experince

5
Date of experience: Oct 25, 2025
Jason
Great customer service

Great customer service. Easy to use app.Very quick in making a decision. Would definitely recommend.

5
Date of experience: Oct 25, 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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