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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 customer care and very good offers all round

Great customer care and very good offers all round Reviewed on: 15th January 2026

Zopa - High street bank killer!

Easy to use accounts, via the excellent Zopa app. Great service, what more could you want! So much more on offer than the old outdated high street banks offer. Why would you go anywhere else to manage your finances. Reviewed on: 15th January 2026

The whole platform is very user friendly.

The whole platform is very user friendly. Interest at time of writing is better than most. Overall a really great experience. Reviewed on: 15th January 2026

Great bank with a fantastic savings rate or did

Great bank with a fantastic savings rate or did Reviewed on: 15th January 2026

Great bank

Great do deal with, very professional, knowledgeable staff. deal with questions immediately with positive outcome Reviewed on: 15th January 2026

I opened it in about 5 mins card came a cupple of da...

I opened it in about 5 mins card came a cupple of days later had no hassle I’ve rang up for things they pick the phone up within a min or 2 very good bank. I’ve got anther big main line banks and Zopa is much better Reviewed on: 15th January 2026

Zopa Bank has genuinely been a breath of fresh air.

Zopa Bank has genuinely been a breath of fresh air. I use them for both a credit account and savings pots, and the whole experience has been smooth, clear, and properly well put together. The savings pots are a standout — the interest rates are genuinely appealing, and it’s easy to organise money in a way that actually makes sense day-to-day. The app is excellent: quick to navigate, easy to understand, and it just works without fuss. What I appreciate most is how reliable everything has been. It’s all ticking along beautifully, to the point I’ve never even needed to contact customer services — not because they’re hard to reach, but because nothing’s gone wrong and nothing’s been confusing. That says a lot. Overall, I’m very satisfied with Zopa Bank and would happily recommend them to anyone who wants a straightforward, modern banking experience that delivers exactly what it promises. Reviewed on: 15th January 2026

issue with a fraudulent transaction.

I had an issue with a fraudulent transaction. Zopa were really helpful and proactive in dealing with it. Reviewed on: 15th January 2026

spot on duck

best interest and no problems whatsoever Reviewed on: 15th January 2026

Very easy to set up the account online I highly reco...

Very easy to set up the account online I highly recommend Zopa Reviewed on: 15th January 2026

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