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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)

Great rates and products available - user friendly a...

Great rates and products available - user friendly a well. Great referral program as well. Reviewed on: 15th January 2026

Happy with the service provided .

Happy with the service provided . Does all it says it will. Can rely on this bank. Reviewed on: 15th January 2026

Conscientious, proactive customer service.

Conscientious, proactive customer service. Reviewed on: 15th January 2026

ZOPA offers me credit and financial information and...

ZOPA offers me credit and financial information and independence Reviewed on: 15th January 2026

Not just a bank, a life line

I open an account with Zopa after getting a credit card with them for £350. As someone with a poor credit history after the death of a family member, this was a life line to me. I no longer need the credit card but got the biscuit account offer. 7.5% on £300 every month is amazing, and it’s really helped encourage me to help get life back on track. I’ve budgeted hard just to afford the £300. I love that it also tells me my total interest since opening. I hope I can continue after April when my rate ends. Reviewed on: 15th January 2026

Zopa has excellent software, very easy to open an ac...

Zopa has excellent software, very easy to open an account. Reviewed on: 15th January 2026

Outstanding customer service easy to use

Outstanding customer service easy to use Reviewed on: 15th January 2026

Good bank, but quite slow customer service.

Good bank, but quite slow customer service. Request to unfreeze account took a long time, and I had to send a follow-up email. Reviewed on: 15th January 2026

Very good reliable bank, dose what a bank should wit...

Very good reliable bank, dose what a bank should with one extra compensations Reviewed on: 15th January 2026

Excellent service

Easy to use app. Responsive and helpful customer service on the app that are fast at replying. Competitive interest rates too. Overall, cannot complain. Reviewed on: 15th January 2026

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