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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

70% 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)

Innovative interest rate scheme

Innovative schemes to boost returns from interest for existing customers, ie. increased rate on saver account for 12mths when funding the biscuit account Reviewed on: 17th January 2026

Very easy to use and smooth running.

Very easy to use and smooth running. Absolutely no trouble creating am account and my card came in the post in no time. Overall amazing service. Reviewed on: 17th January 2026

Excellent bank and easy to open account

Excellent bank and easy to open account Reviewed on: 17th January 2026

Excellent service and an easy to use app

Excellent service and an easy to use app Reviewed on: 17th January 2026

Great bank everthing is easy to use their app is abs...

Great bank everthing is easy to use their app is absolutly the best avilable in plain english so easy to understand unlike other banks where you dont have a cluewhat they are on about great cutomer service always helpfull and go the extra mile to sort out any issues you may have get regular updates on savings credit card usage and blances with warinings about scams and keeping you aware of any new scams go the extra mile to make sure your money is safe at all times their app is absolutly the best essy to use just a really great bank highly recomend to everyone Reviewed on: 17th January 2026

Easy to use and access

Easy to access and use.. Friends also found it easy to use. Reviewed on: 17th January 2026

A great range of products

I was doubtful about opening a Zopa account as I tend to avoid unknown names. However, after a few months, I am convinced that Zopa offer a range of current and savings accounts which offer great interest rates and easy access through the app. Reviewed on: 17th January 2026

Great rates and ease of use of the app.

Great rates and ease of use of the app. Reviewed on: 17th January 2026

Happy to be a Zopa Customer!

Really happy to have been part of the beta experience and my first edition debit card is evidence of that. Customer services are great. I have both savings and current accounts with Zopa, alongside my credit card. The savings account rates are brilliant. My credit card is also really good. The app is nice to navigate and cashback on bills is handy too! I'm really pleased with my experience with them. Reviewed on: 17th January 2026

Excellant easy to use app.

Excellant easy to use app. Very clear to understand. Thank you! Reviewed on: 17th January 2026

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