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Zopa reviews

Zopa Logo
Rated Excellent • 4.94/5

Zopa reviews

Verified business Last reviewed within 7 days British bank awards winner
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  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • On-line application and approval process
    On-line application and approval process

Review summary

People rate this company as Excellent based on 132,284 product reviews

Average score of 4.94/5
5 star
95%
4 star
5%
3 star
0%
2 star
0%
1 star
0%
Reviews for Zopa have trended positively over the past 90 days

Zopa’s app and products make managing money straightforward and even enjoyable, with many loving the easy application processes and competitive interest rates. The personal loans and credit cards are praised for quick approvals and helpful features, though some find credit limit increases frustrating. Customer service gets mixed reviews, shining in some areas but lacking empathy or speed in others.

Positive themes

  • Zopa personal loans are quick to apply for, with money often in your account within minutes.
  • The Zopa app is easy to use across products, making banking and saving a breeze.
  • Zopa offers competitive interest rates on savings and current accounts that users really appreciate.

Negative themes

  • Many find Zopa credit card limits frustratingly low with no increases despite good payment history.
  • Customer service can be slow or unhelpful, especially around fraud checks and problem resolution.
  • Some users report app crashes and awkward navigation that spoil the otherwise smooth experience.
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About Zopa

Zopa Bank is an award-winning financial services provider.

Zopa Bank launched in 2020. In 2005, Zopa built the first ever peer-to-peer lending company. After 16 years of delivering positive returns for our investors, the P2P lending side of the business was closed in 2021 so the team could fully focus on Zopa Bank.

Zopa Bank offer personal loans, credit cards and savings accounts and a handy app to manage your money 24/7.

Zopa at a glance

Contact details

Phone
020 7580 6060
Social media

Reviews for Zopa

Showing 11 of 132284 company reviews • Last reviewed within 7 days

Very straightforward card easy to use &the app is ve...

Credit card • 1st May 2026

Very straightforward card easy to use &the app is very easy to use highly recommend it

{"display":"Stembile D","full_name":"Stembile D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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It was so easy and straight forward to apply with ve...

Personal loan • 1st May 2026

It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a... It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a no brainer. Would definitely use again in future if required. Read more Read less

{"display":"sylvester g","full_name":"sylvester g","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 1/5

    No MSE £15 credit as promised

    I applied for a current (Biscuit) account using a MSE link in March 2026 promising a credit of £15. I used the right link but... I applied for a current (Biscuit) account using a MSE link in March 2026 promising a credit of £15. I used the right link but no£15 has arrived and Zopa deny that I used the right link even though it is the only link that I have ever known about. Several attempts at resolution have failed as helpchats are the only method of interaction and I keep getting the "we've paid everyone out" line. I have lodged a complaint. Ironically, I have spent more and their staff have spent more that £15 worth of time on this so it would've made sense just to give me the money which I would have kept with them in another of their accounts! Read more Read less

    {"display":"Maxwell Gridley","full_name":"Maxwell Gridley","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Great interest rate offers.

    Nice simple to use app and great interest rate offers.

    {"display":"Adam","full_name":"Adam","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Adam 27th April 2026
  • 5/5

    excellent from start to finish, very smooth from the...

    excellent from start to finish, very smooth from the first minute to money arriving in the bank straight away once confirmed .

    {"display":"Ian ","full_name":"Ian ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal loan
    Ian 27th April 2026
  • 5/5

    It is easy to use and quick access

    It is easy to use and quick access

    {"display":"Lubna","full_name":"Lubna","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Lubna 26th April 2026
  • 4/5

    Whole process was Easy and hassle free Decision...

    Whole process was Easy and hassle free Decision and funding amazingly fast

    {"display":"S Jackson","full_name":"S Jackson","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1488350.png"}}'s avatar
    Personal loan
    S Jackson 25th April 2026
  • 5/5

    Value for money

    Excellent for the money you get always tell people to go for this loan

    {"display":"Mr Scott Dennison","full_name":"Mr Scott Dennison","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Zopa app is excellent.

    Zopa app is excellent. Savings rates are fairly competitive. And I have contacted service team twice, very helpful.

    {"display":"William Brown","full_name":"William Brown","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Great Biscuit account and linked savings account

    Great Biscuit account and linked savings account

    {"display":"Corby","full_name":"Corby","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Corby 23rd April 2026
  • 5/5

    Zopa is Awesome!

    Zopa are easy to use. Customer service is great.

    {"display":"Seanie","full_name":"Seanie","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Seanie 23rd April 2026

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