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Zopa reviews

Zopa Logo
Rated Excellent • 4.94/5

Zopa reviews

Verified business Last reviewed within 7 days British bank awards winner
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  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • On-line application and approval process
    On-line application and approval process

Review summary

People rate this company as Excellent based on 129,682 product reviews

Average score of 4.94/5
5 star
95%
4 star
5%
3 star
0%
2 star
0%
1 star
0%
Reviews for Zopa have trended negatively over the past 90 days

Zopa’s app and products make managing money straightforward and even enjoyable, with many loving the easy application processes and competitive interest rates. The personal loans and credit cards are praised for quick approvals and helpful features, though some find credit limit increases frustrating. Customer service gets mixed reviews, shining in some areas but lacking empathy or speed in others.

Positive themes

  • Zopa personal loans are quick to apply for, with money often in your account within minutes.
  • The Zopa app is easy to use across products, making banking and saving a breeze.
  • Zopa offers competitive interest rates on savings and current accounts that users really appreciate.

Negative themes

  • Many find Zopa credit card limits frustratingly low with no increases despite good payment history.
  • Customer service can be slow or unhelpful, especially around fraud checks and problem resolution.
  • Some users report app crashes and awkward navigation that spoil the otherwise smooth experience.
Summarised by AI
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About Zopa

Zopa Bank is an award-winning financial services provider.

Zopa Bank launched in 2020. In 2005, Zopa built the first ever peer-to-peer lending company. After 16 years of delivering positive returns for our investors, the P2P lending side of the business was closed in 2021 so the team could fully focus on Zopa Bank.

Zopa Bank offer personal loans, credit cards and savings accounts and a handy app to manage your money 24/7.

Zopa at a glance

Contact details

Phone
020 7580 6060
Social media

Reviews for Zopa

Showing 11 of 129682 company reviews • Last reviewed within 7 days

Great variety of products, easy to move things aroun...

Smart Saver • 3rd April 2026

Great variety of products, easy to move things around in the app. The choice of products and services is great in one place.

{"display":"Susan A","full_name":"Susan A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Good • 4/5
Read more product reviews

Crap customer care- lack of autism care in banking!

Current account • 2nd April 2026

I was following up on a referral from my brother for £20.00 and went through the process, but was bombarded with lots of emails about... I was following up on a referral from my brother for £20.00 and went through the process, but was bombarded with lots of emails about the likeness test. I did all of this then the system told me a pack of lies. I got frustrated and closed my account. I am autistic and it’s not geared up for disabled people. I have a blazing row with them via live chat, where they pass you down the bus till the get you very cross and then tell you try again, however after going through there patronising behaviour and intimidation I have asked for compensation. As an autistic person I was getting very angry and upset and told them I wanted to leave. I gave my email address several times, there is no provision for disabled people. Read more Read less

{"display":"David R","full_name":"David R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews
  • 5/5

    Excellent online service, resolved all issue through...

    Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar borrowed amount. Best credit card.

    {"display":"Gus Ibrahim","full_name":"Gus Ibrahim","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1419253.png"}}'s avatar
    Credit card
    Gus Ibrahim 30th March 2026
  • 5/5

    Good service

    I have had no issues with Zopa at all very professional and made everything so easy

    {"display":"Amanda Bell","full_name":"Amanda Bell","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1417147.png"}}'s avatar
  • 5/5

    A great product for all

    A great product with a decent interest rate that reflects my circumstances. A great app to use to see all of my accounts in one go

    {"display":"Christopher W","full_name":"Christopher W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Very glitchy and not able to get proper support from...

    Very glitchy and not able to get proper support from their Chat features the app is lacking a lot of features and stability

    {"display":"Rax","full_name":"Rax","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Rax 25th March 2026
  • 5/5

    Easy to use App

    Zopa has a very easy to use App and provides excellent interest rates.

    {"display":"Sarah M","full_name":"Sarah M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    Sarah M 25th March 2026
  • 5/5

    Zopa biscuit

    2% interest on current account deposits 7.1% attached smart saver max 300 pounds per month

    {"display":"Mark J","full_name":"Mark J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Mark J 25th March 2026
  • 5/5

    Biscuit Tin

    Their Biscuit Tin Account such a clever concept to encourage saving with an extremely competitive interest rate, does what it says on the tin.

    {"display":"Paul E","full_name":"Paul E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    Paul E 25th March 2026
  • 5/5

    Easy app to follow.

    Easy app to follow. Plenty of information given. lots of notifications and help with saving accounts

    {"display":"Clifford Scott ","full_name":"Clifford Scott ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Simply classy

    When a brand keeps it simple then you know they are a class above !

    {"display":"Bruno","full_name":"Bruno","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal loan
    Bruno 25th March 2026

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