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Zopa: Current account reviews

Name: Current account
Rating: 4.83 (6596 reviews)

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4.83

Based on 6,596 reviews, last reviewed 17th Jun 2026

89% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Happy with my biscuit current account but Happy with my biscuit current account but…. I get £30 cashback annually however not impressed that they offered new customers £80 cashback recently. L... Read more Reviewed on: 17th June 2026

Latest lowest rating:

1

Security and customer service non existent They gave away thousands of pounds of my money in a fraud . Not their fault obviously not security isn’t good enough and customer service is appalling... Read more Reviewed on: 30th May 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 (6596)

Reliable, Competitive Banking

I’ve been using the Zopa banking app for a while now, and overall, it’s a solid and reliable choice. While the app itself is pretty standard, one of the standout features is the beta AI capability. It allows you to initiate transfers between accounts and even from other providers, just by using voice commands. It’s definitely a unique feature, even if I don’t use it frequently. In terms of insights, the app doesn’t provide any detailed spending analytics, but it serves well as a straightforward banking app. The interest rates are definitely one of the biggest selling points for me. Reviewed on: 15th January 2026

Easy to set up and great support

I've had loans, set up savings accounts and now have a current account with Zopa. Setting these up couldn't have been easier and any support I've needed has been superb. The interest rates they offer are extremely competitive too. Reviewed on: 15th January 2026

Easy to set up accounts,(3 ) customer service very good

Easy to set up accounts,(3 ) customer service very good Reviewed on: 15th January 2026

Great Bank

It was quick and easy setting up my account and savings. I am always informed about how to save more efficiently. The app is clear and easy to use. Reviewed on: 15th January 2026

Very easy to use

Very easy to use the website and app Reviewed on: 15th January 2026

East to use. Good rates

East to use. Excellent app. Good interest rates. Reviewed on: 15th January 2026

Versus other bank account this was easy to do open...

Versus other bank account this was easy to do open Reviewed on: 15th January 2026

Have been using Zopa for a year.

Have been using Zopa for a year. Satisfactory services. Reviewed on: 15th January 2026

No nonsense service

No nonsense service taking into consideration people’s personal circumstances without judgment. Exactly what everyone needs. A useful uncomplicated app allows one to manage their account is provided. Without doubt one of the better companies to do business with. Reviewed on: 15th January 2026

Slick banking experience, good rates

Slick banking experience, good rates Reviewed on: 15th January 2026

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