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Zopa: Current account reviews

Name: Current account
Rating: 4.93 (6589 reviews)

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4.93

Based on 6,589 reviews, last reviewed 30th Apr 2026

70% increase in 5 star reviews

in the past 90 days

550% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great interest rate offers. Nice simple to use app and great interest rate offers. Reviewed on: 27th April 2026

Latest lowest rating:

1

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 no£15 has arrived and Zo... Read more Reviewed on: 30th April 2026

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About this product

Biscuit is a free-to-open current account from Zopa.

You can open a Zopa Biscuit account in the app and it only takes a few minutes. Opening a Biscuit current account gives you access to intuitive budgeting tools, real-time spending notifications and no hidden fees.

Zopa Biscuit current account reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Current account reviews (6589)

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 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! Reviewed on: 30th April 2026

Great interest rate offers.

Nice simple to use app and great interest rate offers. Reviewed on: 27th April 2026

Zopa app is excellent.

Zopa app is excellent. Savings rates are fairly competitive. And I have contacted service team twice, very helpful. Reviewed on: 24th April 2026

Great Biscuit account and linked savings account

Great Biscuit account and linked savings account Reviewed on: 23rd April 2026

Great professional service, quick and easy processing.

Great professional service, quick and easy processing. Reviewed on: 22nd April 2026

love transfer between banks function

I love the transfer between banks function. Makes life a lot easier. Reviewed on: 22nd April 2026

Current account review.

Interest rate is good for the sector, app is easy to use. On occasion, the online chat respondents should have been better. Reviewed on: 21st April 2026

Head & shoulders above the old school banks

Head & shoulders above the old school banks Reviewed on: 21st April 2026

simple to use and transfer funds in and out

simple to use and transfer funds in and out Reviewed on: 21st April 2026

Easy to setup and use.

Easy to setup and use. It is very intuitive to use. Reviewed on: 21st April 2026

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