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Zopa: Current account reviews

Name: Current account
Rating: 4.82 (6598 reviews)

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4.82

Based on 6,598 reviews, last reviewed 23rd Jul 2026

100% decrease in 5 star reviews

in the past 90 days

83% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good banking Yes biscuit account and zopa credit card Reviewed on: 23rd July 2026

Latest lowest rating:

1

Security and customer service non existent They gave away thousands of pounds of my money in a fraud . Not their fault obviously not security isn’t good enough and customer service is appalling... Read more Reviewed on: 30th May 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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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Current account reviews (6598)

Nice and easy sign up.

Nice and easy sign up. Great 6 month easy access savings account too! Reviewed on: 17th April 2026

I applied via Martin Lewis Money Saving website & ge...

I applied via Martin Lewis Money Saving website & get a £15 bonus. Contact customer services twice & still not resolved after 2 wks. Reviewed on: 17th April 2026

Good savings rate.

Good savings rate. Easy online platform. Never received £15 bonus money saving link. Reviewed on: 17th April 2026

Great so far.

Great so far. I recently joined and the biscuit benefits are a no brainer Reviewed on: 17th April 2026

Amazing Bank account

I’ve been really impressed with how intuitive and user-friendly the app is- it makes managing my money feel effortless. The interface is clean and easy to navigate, which is a big plus for everyday use. One of my favourite features is the monthly interest, which feels like a great reward for staying consistent with saving. I also love the ability to split my savings into different pots. It’s made budgeting throughout the month so much simpler and more organised, as I can clearly allocate money for different goals or expenses. Overall, it’s a smart, well-designed app that genuinely helps me stay on top of my finances. Reviewed on: 17th April 2026

Great banking app with perks

Easy banking with savings and everyday current account with good interest rates and cashback on £125 of bills is a bonus. The app is also very good. And can link bank accounts to see an overview of bank balances. Barclaycard link doesn’t show a negative number for credit unlike Amex link, is the only thing that needs fixing. Reviewed on: 17th April 2026

Amazing , the best bank ever ever ever

Amazing , the best bank ever ever ever Reviewed on: 17th April 2026

A refreshing way to bank

There is no minimum amount per month required to run the account.Interest is given on all deposits with a choice of different pots with more advantageous interest rates if prepared to accept a notice period.They also offer a regular saving’s account at 7.5% investment opportunities and ISA’s.However it is app based so won’t be everyone’s cup of tea but their debit card allows for use abroad without charges. I have only had instance where I had to call them and it was answered quickly and dealt with immediately so all in all it’s great for people like me who are retired and don’t have monthly pay to qualify for certain banks this allows for drip feeding of small pensions with all the benefits of a major bank. Reviewed on: 17th April 2026

Highly recommended

Had loans from Zopa as well as saving and I highly recommend it. Efficient. The app is easy to use and ive been back with them a few times for loans very swift at giving you a decision Reviewed on: 17th April 2026

Great Banking App

A really good banking app with great interest rates and incentives, such as cashback on direct debits. They also provided a generous referral scheme which I used to successfully invite others to Zopa. Reviewed on: 17th April 2026

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