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Zopa reviews

Zopa Logo
Rated Excellent • 4.86/5

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 132,325 product reviews

Average score of 4.86/5
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 personal loans and credit cards are a breeze to apply for, with quick approvals and easy-to-use apps that help keep track of everything. The current account and savings products offer competitive interest rates and straightforward management, though some find the app a bit clunky. Customer service shines for loans and credit cards but can be patchy for current accounts.

Positive themes

  • Zopa personal loans are quick to approve, easy to apply for, and simple to manage via the app. (43 mentions)
  • Zopa credit cards are easy to use with clear apps and helpful notifications to manage spending. (31 mentions)
  • Zopa customer service is excellent for personal loans and credit cards with friendly and helpful staff. (15 mentions)

Negative themes

  • Zopa credit card limits rarely increase even after good payment history. (10 mentions)
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 132325 company reviews • Last reviewed within 7 days

Appalling experience with Zopa.

Current account • 9th September 2026

Appalling experience with Zopa. Their computer decided to "restrict" my account- fair enough, I understand that they are regulated and need to monitor transactions, but... Appalling experience with Zopa. Their computer decided to "restrict" my account- fair enough, I understand that they are regulated and need to monitor transactions, but I hadn't done anything that major on the account. There was no ability to speak to them about this at all, just messages in a chat. It took between 16-24 hours for each stage of the process. My funds were locked up for 3 whole days and then the restriction was lifted with no notification. No apology, no explanation, no human contact. The new app keeps having to be reinstalled as it wont load. Im closing my account now and will never deal with Zopa again. Read more Read less

{"display":"sarah h","full_name":"sarah h","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews

This is illegal company, they charge about every thi...

Credit card • 1st September 2026

This is illegal company, they charge about every thing sometimes even for nothing... Government should be enquire about this...I can challenge it's a dozy site.

{"display":"Sonjoy Das","full_name":"Sonjoy Das","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1756246.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews
  • 5.00/5

    This is one of the reasons why I chose him.

    Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present!

    {"display":"HAIZHONG N","full_name":"HAIZHONG N","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    HAIZHONG N 20th August 2026
  • 5.00/5

    Simply the best

    Market leader in finance with standards of excellence in product offering and supported customer service . Thank you Zopa team.

    {"display":"Stephen ","full_name":"Stephen ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Stephen 20th August 2026
  • 5.00/5

    Excellent experience.

    Excellent experience. Great credit card.

    {"display":"mmorrison500@icloud.com","full_name":"mmorrison500@icloud.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1.00/5

    Bad Zopa customer service

    The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough... The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough window time to wait everytime single time Read more Read less

    {"display":"Sherlin","full_name":"Sherlin","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Sherlin 17th August 2026
  • 5.00/5

    Zopa is great

    Very fast to get an answer and money in the bank straight away

    {"display":"joannegorton7@gmail.com ","full_name":"joannegorton7@gmail.com ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Innovative design and seamless delivery of products...

    Innovative design and seamless delivery of products and services

    {"display":"Jay","full_name":"Jay","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Jay 13th August 2026
  • 5.00/5

    Very good banking

    Yes biscuit account and zopa credit card

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

    very nice service i like zopa all service i love zop...

    very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends

    {"display":"Alpesh Bhoy","full_name":"Alpesh Bhoy","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1748104.png"}}'s avatar
    Credit card
    Alpesh Bhoy 22nd July 2026
  • 5.00/5

    Excellent credit card I didn’t have any problems

    Excellent credit card I didn’t have any problems

    {"display":"Shenol","full_name":"Shenol","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Shenol 21st July 2026

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