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Zopa reviews

Zopa Logo
Rated Excellent • 4.87/5

Zopa reviews

Verified business Last reviewed within 14 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 132,318 product reviews

Average score of 4.87/5
5 star
95%
4 star
5%
3 star
0%
2 star
0%
1 star
0%
Reviews for Zopa have trended negatively 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.
Summarised by AI
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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 132318 company reviews • Last reviewed within 14 days

Decent app-managed card, support needs to catch up

Credit card • 25th June 2026

A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support... A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — responses come eventually but you're waiting days, not hours. I'll put it down to growing pains and hope they resource that team properly as they scale. Read more Read less

{"display":"Gary Keaney","full_name":"Gary Keaney","avatar":{"url":"\/assets\/uploads\/avatars\/users\/645695.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews

Smooth application, good communication

Personal loan • 25th June 2026

They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted,... They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything progressed quickly and without any hassle. Another positive experience to add to the list with Zopa. Read more Read less

{"display":"Gary Keaney","full_name":"Gary Keaney","avatar":{"url":"\/assets\/uploads\/avatars\/users\/645695.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews
  • 5.00/5

    Zopa was the obvious pick for my Model 3

    Already a Zopa customer across banking, credit card and a personal loan, it made sense to go back to them for the car finance too.... Already a Zopa customer across banking, credit card and a personal loan, it made sense to go back to them for the car finance too. I even sourced the car through their approved seller list straight from the app. Very happy with how it all came together — the APR reflects my own circumstances, but the experience itself was seamless. Read more Read less

    {"display":"Gary Keaney","full_name":"Gary Keaney","avatar":{"url":"\/assets\/uploads\/avatars\/users\/645695.png"}}'s avatar
    Car finance
    Gary Keaney 25th June 2026
  • 4.00/5

    Nothing to say its natural and safe

    Nothing to say its natural and safe

    {"display":"Daniel balica","full_name":"Daniel balica","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Happy with my biscuit current account but

    Happy with my biscuit current account but…. I get £30 cashback annually however not impressed that they offered new customers £80 cashback recently. Loyalty clesrly doesn’t pay.

    {"display":"Corby","full_name":"Corby","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Corby 17th June 2026
  • 5.00/5

    Excellent accounts, interest and app.

    This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep... This company provide an app that works and is easy to use. The use of pots to separate savings is valuable to me to keep track of what I want to save for. They offer good bonus rates of interest at regular intervals. Read more Read less

    {"display":"VMann","full_name":"VMann","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    VMann 17th June 2026
  • 5.00/5

    Brilliant online savings account with high interest...

    Brilliant online savings account with high interest rates offered on account opening.

    {"display":"Nicholas L","full_name":"Nicholas L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    Nicholas L 13th June 2026
  • 4.00/5

    Found Zopa to be good value for money a few years back.

    Found Zopa to be good value for money a few years back. But now the rates are not as competitive

    {"display":"Teri Barker","full_name":"Teri Barker","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Great account

    I've been very pleased with the interest rate Zopa offers on their savings account, and the app interface is clean and intuitive.

    {"display":"Barbora M","full_name":"Barbora M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Great Regular Saver & Current Account (6x months)

    If only their regular saver account was for 12x months, rather than 6x, it would be a perfect score.

    {"display":"PoppaBear","full_name":"PoppaBear","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Great to see interest building up due to great rates.

    Great to see interest building up due to great rates. The app is simple to use. It's really easy to add/withdraw money, or move it between Zopa accounts.

    {"display":"Jodie","full_name":"Jodie","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    Jodie 12th June 2026

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