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Zopa Reviews 36,138

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TrustScore 4.5 out of 5

4.6

Bank
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Review summary

Created with AI, based on recent reviews

Looking at 6,443 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the user-friendly experience, highlighting the ease of navigating the app and the straightforward application process for various services. Many people appreciate the efficient service, noting quick payouts and the simplicity of managing their accounts and payments. However, some customers were dissatisfied with aspects of customer service, mentioning issues with responsiveness, unhelpful interactions, and difficulties with specific requests like making overpayments. A few other people also felt that there were problems with account restrictions and accessing their funds, leading to stressful experiences.

What people talk about most

User experience

Consumers generally express satisfaction with the user experience, highlighting the app's ease of use and... See more

Service

People report positive experiences with service, often highlighting its ease of use, efficiency, and... See more

Payment

Reviewers mention positive feedback about payment. Many customers highlight the speed of transactions, with... See more

Application

Customers had positive experiences with the app, finding it easy to use, navigate, and manage their accounts.... See more

Customer service

Clients share ambiguous opinions on customer service. Many customers praise the excellent communication,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

its a good app easy to use keep you updated on new offers its easy to use and its set out well.im very happy being a zopa customer there honest and reliable and easy to contact so why im giving 5 sta... See more

Rated 5 out of 5 stars

Dopamine are a brilliant company, with excellent rates. Have always been there for me for the last 15years. I have a loan, bank account and savings account with them. I would rate them as excellent. T... See more

Rated 5 out of 5 stars

Super efficient application process on the app Notification of approval in minutes Cash transfer to bank account within hours Very easy to manage account on the Zopa app 5 stars thank you

Rated 5 out of 5 stars

Love using this Bank. The app is very user friendly and the rates and services Zopa provide are very favorable. Overall user experience is very favorable and I would thoroughly recommend.

Company details

  1. Bank
  2. Car Finance and Loan Company
  3. Investment Service

About Zopa

Written by the company

Welcome to Zopa – better banking all round.

We combine the trust and stability of a high street bank with the speed and simplicity of app-based banking. The result? More value, less hassle – every step of the way.

Since 2005, over 1.6 million people across the UK have chosen Zopa to help them save, borrow and spend with confidence. And it’s no surprise why, with:

  • Quick and easy applications from your mobile
  • Competitive rates across credit cards, loans and savings
  • Everything you need to manage your money at your fingertips
  • No hidden fees – just clear, transparent products

In 2025, we launched Biscuit – our bank account that rewards your everyday money moves. With interest on your balance, cashback on bills and exclusive savings rates, it’s designed to make your money go further.

Whether you're saving, borrowing or spending – Zopa’s here to help you do it better.

Got feedback? We'd love to hear it – it helps us make Zopa even better.

Zopa

Written by the company

Zopa is a pioneering digital bank. Since 2005 we've approved over £5 billion in loans and helped over half a million people get the most out of their money. We take the stress out of money by building our business on honesty, transparency and trust. We give our customers a fair deal as standard. Even better – we make managing your money no sweat with our handy tools and helpful humans at the end of the phone.

Contact info

  • Level 12, 20 Water Street, Canary Wharf, E14 5GX, LONDON, United Kingdom

  • zopa.com

4.6

Excellent

TrustScore 4.5 out of 5

36K reviews

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Rated 5 out of 5 stars

5 stars

5 stars
I borrowed £1,000 for a year with Zopa and the whole experience has been brilliant. Everything from the application to the monthly repayments was clear, straightforward and stress-free.
What really stood out was how lovely the team have been — friendly, helpful and quick to answer any questions I had. It genuinely felt like they cared, which made a big difference.
I’d happily recommend Zopa to anyone looking for a personal loan. Thank you!

25 May 2026
Unprompted review
Rated 5 out of 5 stars

So far, so good

So far, so good.

Easy to open the account and the card arrived very quickly.

Interest rates are great and the app is very simple to use 👌

25 May 2026
Unprompted review
Rated 1 out of 5 stars

Took my direct debit and 2 days later

Took my direct debit and 2 days later, still not reflecting in account balance. This alone could potentially put people in debt when they receive charges and at the same time they are not paying out 7 days a week so they get to keep more money in there own accounts as well as the fees for late payments.

Quite literally the worst CC company i have ever dealt with. If its not reflecting by end of the day ill submit a financial ombudsman complaint and whoever else i need to speak too.

23 May 2026
Unprompted review
Rated 4 out of 5 stars

Needs a bit more…

Needs a bit more simplification,regarding payment after setting up direct debit about when and how you get cash backs?
Other than that good.

1 May 2026
Unprompted review
Rated 5 out of 5 stars

Incredible

Incredible, money in my bank within an hour and it was the easiest loan application I’ve ever made!!

15 February 2026
Unprompted review
Rated 5 out of 5 stars

Hello

Hello. Since Zoopa gave me a credit card I couldn't have been given a better account. I have started a saver for my pension next year, a nice everyday credit card which I'm working on getting Increased when I spend more on it, a wonderful customer service who will help you with anything, just talk to them. So cmon and apply, you won't regret it. Regards Steven green.x

23 May 2026
Unprompted review

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