Smart Money People Logo

Voting in the Insurance choice awards 2025 is open - Vote here

Share this page
Link copied

Zopa reviews

Zopa Logo
Rated Excellent • 4.94/5

Zopa reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business
Last reviewed within 14 days
  • 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 116,536 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

Latest positive rating

5/5

Great service, and love the biscuit card!

Great service, and love the biscuit card!

{"display":"Michael S","full_name":"Michael S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Current account
Michael S 11th September 2025

Latest negative rating

1/5

Refused car finance they offered me!

Applied for car finance for £11459. I have great credit and good income. My application was sent to the underwriters who requested all banking documentation.... Applied for car finance for £11459. I have great credit and good income. My application was sent to the underwriters who requested all banking documentation. Two days they kept me and the dealer hanging only to refuse my application with no explanation. I have used zopa in the past for an unsecured loan which was approved within minutes but a car finance with an asset attached...no dice!!! Now the only reason i can think of for refusal was the very low interest rate THEY offered me!! They bombarded me with emails for some time promising low interest rates based on what they know about me, but when i take them up on it, then "computer says no"! Im not so bothered about the refusal, but the time wasting for £11495 is not needed! If they offer you a low interest rate that seems too good to be true, it is! Use their nearest competitor instead. Read more Read less

{"display":"J Ram","full_name":"J Ram","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car finance
J Ram 12th September 2025
See more reviews for Zopa products

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 116536 company reviews • Last reviewed within 14 days

Refused car finance they offered me!

Car finance • 12th September 2025

Applied for car finance for £11459. I have great credit and good income. My application was sent to the underwriters who requested all banking documentation.... Applied for car finance for £11459. I have great credit and good income. My application was sent to the underwriters who requested all banking documentation. Two days they kept me and the dealer hanging only to refuse my application with no explanation. I have used zopa in the past for an unsecured loan which was approved within minutes but a car finance with an asset attached...no dice!!! Now the only reason i can think of for refusal was the very low interest rate THEY offered me!! They bombarded me with emails for some time promising low interest rates based on what they know about me, but when i take them up on it, then "computer says no"! Im not so bothered about the refusal, but the time wasting for £11495 is not needed! If they offer you a low interest rate that seems too good to be true, it is! Use their nearest competitor instead. Read more Read less

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

Great service, and love the biscuit card!

Current account • 11th September 2025

Great service, and love the biscuit card!

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

    Great bank and really good customer service and comp...

    Great bank and really good customer service and competitive rates

    {"display":"B Fox","full_name":"B Fox","avatar":{"url":"\/assets\/uploads\/avatars\/users\/574977.png"}}'s avatar
    Smart Saver
    B Fox 7th September 2025
  • 1/5

    They've no idea what they're doing

    Moved to Ireland after taking out a loan. Couldn't update my address - computer says no. Couldn't log in without a UK mobile number as... Moved to Ireland after taking out a loan. Couldn't update my address - computer says no. Couldn't log in without a UK mobile number as 2FA - computer says no. In the end they promised not to send post to my old UK address and make a note of my new address on my account for security purposes but I always had to give my old address to get past security. Tried to change my direct debit to my Revolut which is obviously registered at my new address - computer says no. Useless. No solutions given. Just no, can't do it. Make it so hard to access my account and pay off my loan, which makes no sense. Doesn't feel like a very professional or modern company. Would not recommend. EDIT: after my initial review they contacted me to sort out the direct debit. I even got an email saying it had been setup with the correct details. Now I'm getting emails saying I've missed payments and no money has been taken. This company is a joke. Read more Read less

    {"display":"Laura J","full_name":"Laura J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal loan
    Laura J 5th September 2025
  • 5/5

    Easy to use.

    Easy to use. Nothing hidden. Withdraw any time.

    {"display":"Bilz Anderzon","full_name":"Bilz Anderzon","avatar":{"url":"\/assets\/uploads\/avatars\/users\/732806.png"}}'s avatar
    Current account
    Bilz Anderzon 5th September 2025
  • 5/5

    Quick and easy to apply with good app.

    Quick and easy to apply with good app. Showed me my chances of been accepted and payment into my bank was quick and simple. Can... Quick and easy to apply with good app. Showed me my chances of been accepted and payment into my bank was quick and simple. Can manage payments in the app and pay off early. The rate was competitive. Read more Read less

    {"display":"Mark W","full_name":"Mark W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal loan
    Mark W 5th September 2025
  • 5/5

    Great saving incentives.

    Great saving incentives. And bonuses for using card. Most banks don’t do this! Any problem fixed very swiftly.

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

    Good experience no nonsense approach to banking

    Good experience no nonsense approach to banking

    {"display":"William ","full_name":"William ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    William 30th July 2025
  • 5/5

    Good card more helpful and good customer service

    Good card more helpful and good customer service

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

    Simplicity

    Very efficient online application and account maintenance

    {"display":"Clive D","full_name":"Clive D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Clive D 15th July 2025
  • 5/5

    No complaints

    Card easy to set up and get going east repayments

    {"display":"Emily Bollers","full_name":"Emily Bollers","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

    Products from Zopa
    Showing products offered by Zopa

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice