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Zopa: Current account reviews

Name: Current account
Rating: 4.83 (6601 reviews)

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4.83

Based on 6,601 reviews, last reviewed 9th Sep 2026

99% 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

Simply the best Market leader in finance with standards of excellence in product offering and supported customer service . Thank you Zopa team. Reviewed on: 20th August 2026

Latest lowest rating:

1

Appalling experience with Zopa. Appalling experience with Zopa. Their computer decided to "restrict" my account- fair enough, I understand that they are regulated and need to monitor... Read more Reviewed on: 9th September 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 (6601)

Easy to use

Easy to set up accounts with some really good features Reviewed on: 16th April 2026

Have had numerous loans throughout the years with no...

Have had numerous loans throughout the years with no issues at all.only recently started banking and again superb service and standards which is setting the bar at an extremely high level for competitors to try and achieve. Reviewed on: 16th April 2026

Banking with Pots of potential

Easy to set up an account and savings pots. Best all around package on the market for easy access current account, excellent interest, and savings pot options. Ask of the family now have Zopa accounts. Reviewed on: 16th April 2026

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

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