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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)

A greate alternative banking option

Zopa is a generous and competitive offer compared to other banks. The app can be slow at times but has lots of useful features m Reviewed on: 15th January 2026

Interest on current account: what's not to like.

Interest on current account: what's not to like. No annual fees. No transaction fees. Instand debit card on phone even before plastic one arrived. Absolutely fantastic! Reviewed on: 15th January 2026

Amazing service, great Banking app.

Amazing service, great Banking app., and there when we need you most, thank you. Reviewed on: 15th January 2026

Honestly, I cannot fault zopa and my life as well as...

Honestly, I cannot fault zopa and my life as well as my husband’s have been less stressful since using their services. My only wish now is that they expand their services further to full banking facilities of paying in cheques etc as I would then move all my other bank accounts to them without any hesitation. Reviewed on: 15th January 2026

My experience with the Zopa current account has been...

My experience with the Zopa current account has been positive. The account setup process was straightforward, with clear instructions and minimal paperwork, which made getting started quick and hassle-free. The mobile app is user-friendly, allowing for easy navigation and effective management of daily finances. I particularly appreciate the instant notifications for transactions, which help me keep track of my transactions in real time. The customer support team has been responsive and helpful whenever I’ve had queries. Overall, I am satisfied with Zopa’s current account offering and would recommend it to others seeking a modern banking solution. Reviewed on: 15th January 2026

good rate of interest and cashback on direct debits

good rate of interest and cashback on direct debits Reviewed on: 15th January 2026

The Thoughtful Bank

You can really see that Zopa has thought about how to add value and help its customers make more of their savings. The accounts are easy to set up, the interest rates are competitive and the app is easy to use, which is all you really need from a bank. Reviewed on: 15th January 2026

Easy Peasy

Great app easy to use, good rates, what's not to like? Reviewed on: 15th January 2026

Great bank account, fantastic saving rates

Great bank account, great savings accounts Reviewed on: 15th January 2026

Excellent service overall,

Very pleased with easy to negotiate app. Excellent rate of interest for regular savers. Great customer service. So pleased to be with Zopa. Reviewed on: 15th January 2026

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