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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

63% decrease in 5 star reviews

in the past 90 days

64% 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)

Great account and easy to use.

Great account and easy to use. Had no issues and everything works seamlessly and clearly shows everything Reviewed on: 9th February 2026

So far ok however early into my account

So far ok however early into my account Reviewed on: 9th February 2026

Fast, efficient and easy.

Fast, efficient and easy. Website is very easy to navigate too, and decision was made very fast. Would highly recommend Reviewed on: 9th February 2026

It is hard to be negative about such a great new Bank.

Zopa on the whole offer and excellent service and great interest rates on savings, however it falls short when it comes to paying direct debits ( although a new alert system has been put in place) and actually being able physically to pay money in, I moved away from my old bank to bank with Zopa ,but found that I needed to open another bank account (high st) just so I could service my Zooa account, this was and still is disappointing. I appreciate Zopa is a new bank and is growing but unfortunately it is still not recognised by some major high standards banks or the post office. Reviewed on: 9th February 2026

Excellent banking services.

Excellent banking services with great benefits. Cashback on bill payments etc. Reviewed on: 9th February 2026

Easy to use.

Easy to use. High interest rate. Reviewed on: 9th February 2026

Been really great so far, 2 pounds interest already

Been really great so far, 2 pounds interest already Reviewed on: 9th February 2026

I love the biscuit account I can pay bills and get r...

I love the biscuit account I can pay bills and get rewarded plus there are so many different accounts that you can open and the interest rates are fantastic best decision I ever made I have even helped my sister change over to zopa highly recommended zopa Reviewed on: 9th February 2026

Biscuit - the new kid with all the toys

Since we joined Zopa in 2022, it has regularly been fast to adjust interest rates upwards when appropriate. The ability to create separate pots was so helpful too during a challenging financial time. The app is so easy to use and money transfers and payments are swift. Introducing Biscuit made the offer even better with 2% interest and 2% on bills. Love Zopa's aim to make banking as reactive and responsive as possible in today's super fast financial landscape. Reviewed on: 9th February 2026

User friendly and speedy application process, great...

User friendly and speedy application process, great perks, user friendly, app is very easy to manage. Reviewed on: 9th February 2026

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