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Zopa: Current account reviews

Name: Current account
Rating: 4.83 (6601 reviews)

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4.83

Based on 6,601 reviews, last reviewed 9th Sep 2026

99% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Simply the best Market leader in finance with standards of excellence in product offering and supported customer service . Thank you Zopa team. Reviewed on: 20th August 2026

Latest lowest rating:

1

Appalling experience with Zopa. Appalling experience with Zopa. Their computer decided to "restrict" my account- fair enough, I understand that they are regulated and need to monitor... Read more Reviewed on: 9th September 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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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Current account reviews (6601)

Easy to use, quick and simple process from start to...

Easy to use, quick and simple process from start to finish regarding opening an account. Good perks also Reviewed on: 4th March 2026

Zopa's current account is a game-changer!

Zopa's current account is a game-changer! With a seamless app experience, you get 2% cashback on Direct Debits and 2% interest on balances. Plus, no annual fees make it a cost-effective choice. It’s user-friendly, quick to set up, and offers fantastic customer service. Perfect for anyone seeking smart banking with perks! Reviewed on: 3rd March 2026

Easy application.

Easy application. What you see is what you get. Reviewed on: 3rd March 2026

It works the way I need it to and the...

It works the way I need it to and the cards look good Reviewed on: 3rd March 2026

Excellent service, Great interest rates

Excellent service, Great interest rates Reviewed on: 3rd March 2026

I’ve had a brilliant experience with Zopa from start...

I’ve had a brilliant experience with Zopa from start to finish. The account setup was incredibly quick and straightforward, and the app is modern, clean, and very easy to use. Everything is clearly explained, with no hidden surprises or confusing terms. The savings rates are very competitive compared to high street banks, and I really like how transparent they are about interest and account features. Transfers in and out are fast, and I always feel in control of my money. Customer service has also been excellent — friendly, professional, and quick to respond whenever I’ve had a question. It’s refreshing to deal with a bank that genuinely feels digital-first and customer-focused. Overall, Zopa has exceeded my expectations. I would highly recommend it to anyone looking for a reliable, straightforward, and rewarding savings experience. Reviewed on: 3rd March 2026

Very good service and a great experience.

Very good service and a great experience. Reviewed on: 3rd March 2026

Easy app and great interest rates

Easy app and great interest rates Reviewed on: 3rd March 2026

Zopa is reliable bank with high savings interests ra...

Zopa is reliable bank with high savings interests rates. Easy interface and easy to manage. The only difficulty is not clear if and how to ensure to receive highest interest rate even if I pay 500£ each month. Reviewed on: 3rd March 2026

my1stAccouht..

I just came to UK and Zopa will be my 1st account that made simplicity and sorted many of the issues Reviewed on: 3rd March 2026

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