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Zopa: Current account reviews

Name: Current account
Rating: 4.83 (6601 reviews)

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4.83

Based on 6,601 reviews, last reviewed 9th Sep 2026

99% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Simply the best Market leader in finance with standards of excellence in product offering and supported customer service . Thank you Zopa team. Reviewed on: 20th August 2026

Latest lowest rating:

1

Appalling experience with Zopa. Appalling experience with Zopa. Their computer decided to "restrict" my account- fair enough, I understand that they are regulated and need to monitor... Read more Reviewed on: 9th September 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 (6601)

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

Great interest rates easy to set up and use every da...

Great interest rates easy to set up and use every day on the app Reviewed on: 17th April 2026

I found the app very easy to navigate

I found the app very easy to navigate Reviewed on: 17th April 2026

Very easy to use app.

Very easy to use app. Good rates Reviewed on: 17th April 2026

Reliable and convenient, good interest rates and you...

Reliable and convenient, good interest rates and you can move your money between banks without any issues Reviewed on: 17th April 2026

Zopa review

Great interest rates, super easy site to navigate, good incentives Reviewed on: 17th April 2026

...love of banking back again

I have pleasure in banking there days, easily to navigate through, always giving great advice by way of E-mail and messages . My love of having an ease to use bank again. Reviewed on: 17th April 2026

Very quick replying online but limited phone call ca...

Very quick replying online but limited phone call capabilities Reviewed on: 17th April 2026

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