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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

80% 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

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)

Simple and great service

Simple and great service. Everything is straight forward to use. Cards arrived promptly and simple to set up. Reviewed on: 11th February 2026

Simple effortless informative bank account, easy to...

Simple effortless informative bank account, easy to use! Great offers and all Reviewed on: 11th February 2026

Great to deal with and fantastic on payment

Great to deal with and fantastic on payment Reviewed on: 11th February 2026

Great bank.

The app is brilliant. And the savings account is one of the best out there Reviewed on: 11th February 2026

Problems opening account quickly sorted and no furth...

Problems opening account quickly sorted and no further issues. Reviewed on: 11th February 2026

It was easy and straightforward to set-up a Zopa ban...

It was easy and straightforward to set-up a Zopa bank account. The interest rates on offer helped me in my decision to move my monies over to Zopa - smart saving hub primary pot (4.45% AER) and regular saver (7.10% AER). It's very quick to move monies from my bank account to order bank accounts and saving pots with the easy to function app. A very happy customer! Reviewed on: 11th February 2026

Good customer service , Most revelant service and in...

Good customer service , Most revelant service and instant customer service Reviewed on: 11th February 2026

My best experience so far with banks

My best experience so far with banks Reviewed on: 11th February 2026

No I don't want to no no no no no...

No I don't want to no no no no no Reviewed on: 11th February 2026

Strong on interest & cashback, but app-only

I've been using the Zopa Biscuit current account for a few months now and really like it. The 2% interest on the balance is a nice bonus (no cap is brilliant), and getting 2% cashback on Direct Debits helps with bills like energy and broadband — already earned a decent bit back. App is clean, fast payments work perfectly, and no monthly fees. Highly recommend! Reviewed on: 11th February 2026

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