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Zopa reviews

Zopa Logo
Rated Excellent • 4.87/5

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 132,291 product reviews

Average score of 4.87/5
5 star
95%
4 star
5%
3 star
0%
2 star
0%
1 star
0%
Reviews for Zopa have trended positively 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 132291 company reviews • Last reviewed within 7 days

Poor credit, no problem

Credit card • 22nd May 2026

Having poor a poor credit score I struggled to to get credit anywhere, Zopa offered me a lower but reasonable amount credit card to help... Having poor a poor credit score I struggled to to get credit anywhere, Zopa offered me a lower but reasonable amount credit card to help build my credit score back up. it’s great for rainy days or those irritating unexpected expenses. With easy repayments that come with notifications and give you plenty of notice. overall excellent service. Thanks Zopa Read more Read less

{"display":"Geo H","full_name":"Geo H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews

Easy to us app and find information

Personal loan • 19th May 2026

Easy to us app and find information

{"display":"Paul B","full_name":"Paul B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews
  • 4.00/5

    Zopa personal loan

    Site easy to navigate. Response time very quick.

    {"display":"Robert F","full_name":"Robert F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Has been very positive not had any issues with my ca...

    Has been very positive not had any issues with my card or account

    {"display":"Matthew S","full_name":"Matthew S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Matthew S 13th May 2026
  • 5.00/5

    Handyman

    Very handy and easy to use i would recommend this card to anyone

    {"display":"Linda ","full_name":"Linda ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Linda 10th May 2026
  • 5.00/5

    Easy to apply

    Easy to apply, great customer service and a clear and simple App.

    {"display":"Beverley ","full_name":"Beverley ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Easy, does what is says on the tin and it is possibl...

    Easy, does what is says on the tin and it is possible to speak to someone if needed.

    {"display":"I E","full_name":"I E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    I E 7th May 2026
  • 5.00/5

    Very straightforward card easy to use &the app is ve...

    Very straightforward card easy to use &the app is very easy to use highly recommend it

    {"display":"Stembile D","full_name":"Stembile D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    It was so easy and straight forward to apply with ve...

    It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a... It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a no brainer. Would definitely use again in future if required. Read more Read less

    {"display":"sylvester g","full_name":"sylvester g","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1.00/5

    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... 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 Zopa deny that I used the right link even though it is the only link that I have ever known about. Several attempts at resolution have failed as helpchats are the only method of interaction and I keep getting the "we've paid everyone out" line. I have lodged a complaint. Ironically, I have spent more and their staff have spent more that £15 worth of time on this so it would've made sense just to give me the money which I would have kept with them in another of their accounts! Read more Read less

    {"display":"Maxwell Gridley","full_name":"Maxwell Gridley","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Great interest rate offers.

    Nice simple to use app and great interest rate offers.

    {"display":"Adam","full_name":"Adam","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Adam 27th April 2026

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