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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)

Fast, Secure and importantly, trustworthy/true to word.

Fast, Secure and importantly, trustworthy/true to word. I moved some money from my current account over to Biscuit because I'd previously had a load with Zopa and was so impressed with the speed and diligence from Zopa regarding that. Once I'd moved some money over, I saw another offer from Zopa to simply use my new account to pay for something and instantly gained £5 which the company didn't have to offer, so they are definately a company worth their word and that alone is priceless in this world, so I moved more and more funds over to my Biscuit account and really enjoyed seeing how much interest I've earned on the savings which is right there in front of you when you logon. The app is quite simply to use, but effective, I've even found securely transferring between accounts easier to do from the app. Very impressed so far. Reviewed on: 15th January 2026

Excellent service and great interest rates

Excellent service and great interest rates Reviewed on: 15th January 2026

Straightforward saving with great rates

Straightforward saving and good rates of interest are maintained. Easy to use app and good communications.. Reviewed on: 15th January 2026

Excellent experience

Very good experience, easy to use app, competitive interest rates, no issues whatever Reviewed on: 15th January 2026

Worth Joining

They are ok. Much nicer than Barclays Reviewed on: 15th January 2026

Best interest rate around for easy access current ac...

Best interest rate around for easy access current accounts and the availability of multiple pots helps hugely with budgeting. Excellent service.. Why can’t all banks provide similar quality? Reviewed on: 15th January 2026

Very straightforward and easy

Very straightforward and easy to set up account with lots of benefits if saving and using the account excellent Reviewed on: 15th January 2026

Had prob with direct debit understood and helpful

Had prob with direct debit understood and helpful Reviewed on: 15th January 2026

Zopa Loan

Excellent speedy service from Zopa and competitive rates Reviewed on: 15th January 2026

Modern, easy-to-use current account

The Zopa app is simple and intuitive, and everything from card payments to transfers works smoothly. It’s been reliable so far and does exactly what I need. Reviewed on: 15th January 2026

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