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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

54% decrease in 5 star reviews

in the past 90 days

50% 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)

Easy to set up and use with a very good...

Easy to set up and use with a very good interest rate Reviewed on: 15th January 2026

Big fan of the 2% cash back on direct debits - that’...

Big fan of the 2% cash back on direct debits - that’s why I started using the account. Would be great if the annual cap was raised higher than £30. Reviewed on: 15th January 2026

Opened a Biscuit Account in Oct 25

I opened a Biscuit Account in October 25 and was able to lock in the bonus rate meaning I am getting a very competitive rate on my savings (currently 4.45%). I am making use of the 2% cash back facility on direct debits too which should net me £30 pa. The website is excellent - one of the best I have come across - , transferring money from external accounts is quick and seamless as are internal transfers between my Zopa accounts. Reviewed on: 15th January 2026

Easy to set up and use and decent interest rates on...

Easy to set up and use and decent interest rates on savings so all very good....and no bank charges Reviewed on: 15th January 2026

Always had no problem in trasfering monies , very go...

Always had no problem in trasfering monies , very good and easy app.. Reviewed on: 15th January 2026

Alan 55 review

The bank account was easy to set up on the app.i like the monthly interest saving plan .it makes you feel positive about putting some money away. Reviewed on: 15th January 2026

Excellent interest rate on savings that are accessible.

Excellent interest rate on savings that are accessible. Reviewed on: 15th January 2026

They’ve always been very responsive, and helpful.

They’ve always been very responsive, and helpful. Give clear and informative guidance I can’t fault them. If you are wondering should I, yes you should, you won’t regret it Reviewed on: 15th January 2026

Straight forward to use current account.

So easy to use the current account and pay money into it. Saving account offeras higher interest rate than other banks Reviewed on: 15th January 2026

Great Banking!

Joined Zopa and it couldn’t be easier to manage my finances!! Great rates and lots of offers. Reviewed on: 15th January 2026

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