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Zopa: Current account reviews

Name: Current account
Rating: 4.83 (6589 reviews)

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4.83

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

84% 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)

From opening this account

From opening this account, through using it to pay via Apple Pay to investing in their generous fix savings account, everything has been seamless. Excellent banking experience- thank you Reviewed on: 16th April 2026

It’s good interest rate for saving

It’s good interest rate for saving Reviewed on: 16th April 2026

Zopa takes the Biscuit!

Everything is very easy to set up and linked in the one place. Reviewed on: 16th April 2026

Zopa provides excellent customer service.

Zopa provides excellent customer service. Reviewed on: 16th April 2026

Ease in which to open the bank account was amazing...

Ease in which to open the bank account was amazing Reviewed on: 16th April 2026

They act on feedback and are happy to help

I gave feedback about budgeting and they took note of it and started implementing a budgeting tool. There are current account pots so you can separate what you are going to spend to what is ready to spend and to what is being saved. They now You can open up to 20 savings pots which is very helpful. They were quite helpful when I had a query, although through the chat, it was being transferred to different staff members just to be told to call the customer service phone number. Overall, they are easy to contact. Reviewed on: 16th April 2026

Excellent Zopa & great app

Simple onboarding process. Easy to use and well laid out app. Clear communication. Reviewed on: 16th April 2026

Great saving rates and conditions

Neutral customer service as the question would have to assume that the service has been used which in my case i have not Reviewed on: 16th April 2026

Good banking app experience

Easy to open, app is good and having the ability to open different savings pots is a plus. Earning interest in a current account is a positive bonus. Not had to deal with any issues so can't comment on their ease of contact or customer service. Disappointing though is their ISA interest and don't feel it is competitive enough. Reviewed on: 16th April 2026

Very smooth, easy to use.

Very smooth, easy to use. Easy to manage, makes banking simple like it should be. Reviewed on: 16th April 2026

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