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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

33% decrease in 5 star reviews

in the past 90 days

33% 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)

Biscuit is good!

Opening the account was easy, the management in the app is easy, access to high interest savings is great, earnback on bills is good (although limited). Overall, I’d highly recommend. Reviewed on: 15th January 2026

Great account and savings

Straightforward to set up. Good interest and rewarding cashback Reviewed on: 15th January 2026

Great customer service backed up by excellent saving...

Great customer service backed up by excellent savings schemes. Reviewed on: 15th January 2026

Great app and good rates, really like the direct deb...

Great app and good rates, really like the direct debit cashback Reviewed on: 15th January 2026

Setting up an account was effortless to manage my fi...

Setting up an account was effortless to manage my finances it’s extremely easy to deposit and add other accounts and it’s given me peace of mind that I’ve got a back up card if needed. Reviewed on: 15th January 2026

I have found Zopa so easy to use.

I have found Zopa so easy to use. Communications are clear and unambiguous and offers of further products are tempting. Reviewed on: 15th January 2026

New to Zopa and delighted

Opened Zopa current account in August 2025 to add flexibility to my existing banking experience. Subsequently discovered the savings options and boosted savings which provides better interest on the bulk of my cash savings. In addition I earn a higher rate on my monthly saver account. My experience to date of all the services I use via the banking app has been excellent. I have yet to experiment with their investment products. Reviewed on: 15th January 2026

Easy and simple process in loan application.

Easy and simple process in loan application. Reviewed on: 15th January 2026

Great Online Banking

Really easy to set up. Helping me save money with a good return. Have recommended to friends. Reviewed on: 15th January 2026

Fantastic Service!

Since signing up for Biscuit I have had no concerns about my account. It runs like self winding clockwork - it can be relied upon to be ready and able to serve 24/7 and has proved it to me for every transaction. Reviewed on: 15th January 2026

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