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Zopa: Current account reviews

Name: Current account
Rating: 4.82 (6598 reviews)

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4.82

Based on 6,598 reviews, last reviewed 23rd Jul 2026

100% decrease in 5 star reviews

in the past 90 days

83% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good banking Yes biscuit account and zopa credit card Reviewed on: 23rd July 2026

Latest lowest rating:

1

Security and customer service non existent They gave away thousands of pounds of my money in a fraud . Not their fault obviously not security isn’t good enough and customer service is appalling... Read more Reviewed on: 30th May 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 (6598)

Good interest rates, incentives & easy to use platform.

Great easy to use platform. Good interest rates. Offers existing customers incentives & new good interest accounts. Reviewed on: 16th April 2026

Good savings rates and easy to use

I’ve been using Zopa for almost a year now and overall my experience has been very positive. The app is easy to use, transfers are quick, and the savings rates are competitive compared to traditional banks. I mainly use it for saving and moving money from my main account, and everything has been smooth and consistent. I also like the flexibility of their accounts, especially not having to lock funds long-term. Recently, I’ve noticed updates to their terms and some tax-related adjustments due to interest earned, which is expected when your savings grow. It would be helpful if these changes were explained a bit more clearly in-app. Overall, a reliable option for saving with good rates and a simple user experience. Reviewed on: 16th April 2026

New customer.

New customer. Great experience so far. Reviewed on: 16th April 2026

I’ve had a really positive experience using the Zopa...

I’ve had a really positive experience using the Zopa app so far. Opening an account was surprisingly quick and straightforward, which made getting started completely hassle-free. One of the standout benefits is the competitive interest rates they offer, which are noticeably higher than many other options out there. On top of that, I really like the added perk of earning 2% interest just for maintaining two direct debits—it’s a simple requirement and a great incentive. Overall, the app is easy to use, efficient, and genuinely rewarding for customers. Definitely worth considering if you’re looking for a modern banking experience with solid benefits. Reviewed on: 16th April 2026

I am very impressed with the Zopa App.

I am very impressed with the Zopa App. It was incredibly easy to open my new account and I received my debit card very quickly Reviewed on: 16th April 2026

I am very impressed and happy in general

I am very impressed and happy with the interest rates and simplicity of use. I have an ongoing query with the payment of interest and am awaiting a knowledgeable outcome on this soon. But in general I would definitely recommend this. Reviewed on: 16th April 2026

Very easy to use and good service

Very easy to use and good service Reviewed on: 16th April 2026

Daily interest

Opened the account a couple of years ago.. love all the different options of saving pots.. also love the fact you can withdraw at any time with the biscuit account Reviewed on: 16th April 2026

Good bank i wish I will stay for them in...

Good bank i wish I will stay for them in long time Reviewed on: 16th April 2026

Money, money, money, money

I’m loving the market-leading 7.10% AER on the Regular Saver – watch your money grow faster than ever before while saving up to £300 a month! Paired with the brilliant Biscuit current account, you get 2% AER interest on your balance plus 2% cashback on bills. It’s like your everyday banking is finally paying you back big time! Reviewed on: 16th April 2026

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