Zopa Reviews 36,443

TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Evaluating 6,471 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the straightforward application process and the speed with which funds are transferred, often within minutes or hours. Many appreciate the user-friendly app, which makes managing loans and payments easy, offering features like competitive rates and flexible repayment options. The overall service is frequently described as efficient and hassle-free, with many expressing satisfaction and a willingness to use the company again. However, some customers also noted significant issues with customer service, describing it as rude, inefficient, and unhelpful, particularly when problems arise with payments or account access. A few other people also felt that the app could be sluggish or unresponsive, and some experienced difficulties with identity verification processes, leading to digital exclusion for those unfamiliar with smartphones or with disabilities. There were also concerns about restricted bank accounts and delays in processing repayments, which some found overly long compared to other services.

What people talk about most

User experience

Clients share positive opinions on user experience, frequently praising the app as amazing, clear, easy, and... See more

Service

Reviewers mention positive feedback about service, often highlighting the ease and speed of transactions,... See more

Payment

People report positive experiences with payment, highlighting the fast and simple application process, with... See more

Application

Consumers find the app to be positive, describing it as amazing, clear, easy, and brilliant, with many... See more

Customer service

Customers consistently note ambiguous experiences with customer service, with many praising the support... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Just a straightforward process with an exceptional level of customer service. Got through to an actual 'person' in no time. Everything completed, questions answered, decision made in a short space of... See more

Rated 5 out of 5 stars

I've used zopa for lots of loans over the years. The Internet is not extortionate like some, you can make extra payments when Yr feeling flush or even pay back early. I will continue to use zopa and w... See more

Rated 5 out of 5 stars

Good rate. Money transfer in and out of account is quick and easy. Cashback on Direct debits is a lovely feature. The regular saver is a bonus with an excellent rate. The only area for improvement... See more

Rated 5 out of 5 stars

Saw the offer on Martin Lewis newsletter so thought I would apply. Easy and straightforward to do and my card arrived within 48 hours. I was amazed. Good clear easy to use app. Thoroughly recommend. I... See more


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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No history of asking for reviews

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Rated 5 out of 5 stars

Gave me a large loan

Gave me a large loan . No quibbles, no phone call ,just verified my working status and wages. I can't think of a better lender . I had been refused twice before going to zopa. They also offered great rates. 👍

12 September 2025
Unprompted review
Rated 5 out of 5 stars

I’ve had a good experience with Zopa…

I’ve had a good experience with Zopa Bank. The app is easy to use, and opening an account was quick and simple. The savings rates are good compared to many other banks. I like how clear the app is and how easy it is to manage my savings.

Overall, I would recommend Zopa Bank to anyone who wants a modern bank with an easy-to-use app and good savings rates.

31 December 2025
Unprompted review
Rated 5 out of 5 stars

Highly recommend Zopa Bank

I cannot recommend Zopa Bank enough! I recently applied for a personal loan through them, and the entire experience was absolutely flawless from start to finish.
​The application process via their app took just a few minutes, and I was given a clear, personalized rate upfront without it affecting my credit score. The decision was quick for, and amazingly, the funds were sitting in my bank account less than two hours later.
​Managing the loan is incredibly easy because everything is handled right inside their clean, modern app. You can track your balance, adjust your payment date, and even make extra payments or clear the loan early with zero hidden penalties or fees. If you're looking for a straightforward, fast, and completely stress-free loan process, Zopa is definitely the way to go

10 June 2026
Unprompted review
Rated 5 out of 5 stars

Thankyou very much for helping me out…

Thankyou very much for helping me out in my time of need , being disabled i need extra things in my life and Zopa has helped me so much , My loan was in my bank under 10 mins no mess no fuss , So thanks Zopa ,

12 June 2026
Unprompted review
Rated 5 out of 5 stars

Superb company

The rates and customer servi

ce by Zopa is superb

Very helpful and professional staff

Thank you

11 June 2026
Unprompted review

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