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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 132,321 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 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. (9 mentions)
  • The Zopa app is easy to use across products, making banking and saving a breeze. (7 mentions)
  • Zopa offers competitive interest rates on savings and current accounts that users really appreciate. (7 mentions)

Negative themes

  • Many find Zopa credit card limits frustratingly low with no increases despite good payment history. (7 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 132321 company reviews • Last reviewed within 7 days

Bad Zopa customer service

Credit card • 17th August 2026

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
Rated Terrible • 1.00/5
Read more product reviews

Zopa is great

Personal loan • 16th August 2026

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
Rated Excellent • 5.00/5
Read more product reviews
  • 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
  • 5.00/5

    Zopa is a brilliant credit card company that deliver...

    Zopa is a brilliant credit card company that delivers first rate highly professional advice and customer service.I highly recommend them. They tick every box! Nick Harris

    {"display":"Nick Harris","full_name":"Nick Harris","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Nick Harris 21st July 2026
  • 5.00/5

    Decent app-managed card, support needs to catch up

    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
    Credit card
    Gary Keaney 25th June 2026
  • 5.00/5

    Smooth application, good communication

    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
  • 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

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