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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

45% increase in 5 star reviews

in the past 90 days

175% increase 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)

Customer service is excellent any issues are resolve...

Customer service is excellent any issues are resolved efficiently Reviewed on: 15th January 2026

Very happy with my current account.

Very happy with my current account. Disappointed that the savings rate went down 0.3% when the base rate went down 0.25. Reviewed on: 15th January 2026

Just an amazing easy bank account to have!

Just an amazing easy bank account to have!! I love it and i get cashback every month from my direct debits, which on its own is incredible!! Reviewed on: 15th January 2026

Great customer service and easy app to navigate

Great customer service and easy app to navigate Reviewed on: 15th January 2026

A great bank, highly recommend

Good rates, nice app, A very good customer service Reviewed on: 15th January 2026

"Early adopter at Zopa"

I was an early adopter at Zopa. I made some suggestions, in the spirit of continuous improvement, and - unlike any other bank in my experience (and I have used many banks!) - not only am I pleased to say that Zopa acted on them, but also made a modest 'thank you' goodwill payment. The best of the 'challenger banks' are showing the old 'high street' banks how banking should be done, and Zopa is right up there at the top - having knocked my previous favourite Starling into second place on the basis of much better interest rates. Reviewed on: 15th January 2026

CS excellent, easy to use app.

CS excellent, easy to use app. Communication excellent Reviewed on: 15th January 2026

Zopa is good

Been with Zopa for ages now. Interest rate is VERY competitive. Have recommended previously also. Reviewed on: 15th January 2026

Great decision .

I am really pleased that I decided to use Zopa. I started with the credit card, went on to a current account and now save too. It’s proving to be a good decision. Reviewed on: 15th January 2026

Well designed app with good functionality.

Well designed app with good functionality. Very easy to set up payments to own accounts and making payments to others. Excellent rates for savings. Voice control seems an unnecessary feature but I have used it out of curiosity. Reviewed on: 15th January 2026

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