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
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Review summary
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Reviews shaping this summary
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
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
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
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
36K reviews
No history of asking for reviews
This company hasn't invited their customers, so reviews may not be representative
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great experience, again.
Every from application to settlement and use of the app worked 100%.
No beauracracy just common sense.
Thank you.
June 13, 2026
Unprompted review
Everything was done online bery quickly
June 12, 2026
Unprompted review
Fabulous app that keeps you updated and…
Fabulous app that keeps you updated and your finances in check
June 12, 2026
Unprompted review
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. 👍
September 12, 2025
Unprompted review
Excellent service easy to manage account
Excellent service easy to manage account
June 12, 2026
Unprompted review
Easy and fast
The process was really fast and the money was deposited in my bank account within 2 hours of enquiring
June 8, 2026
Unprompted review
Fantastic experience.
June 12, 2026
Unprompted review
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.
December 31, 2025
Unprompted review
Very friendly staff when you ring them
Very friendly staff when you ring them, extremely helpful if you're having issues, I would definitely recommend them 😉
June 10, 2026
Unprompted review
Easy set up and verification
Easy set up and verification. Pleasant to deal with.first rate.
June 12, 2026
Unprompted review
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
June 10, 2026
Unprompted review
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 ,
June 12, 2026
Unprompted review
Superb company
The rates and customer servi
ce by Zopa is superb
Very helpful and professional staff
Thank you
June 11, 2026
Unprompted review
Security by the company
Security by the company, great web site,friendly staff.
June 4, 2026
Unprompted review
Easy to apply and fast service
Easy to apply and fast service. Customer service efficient.
June 2, 2026
Unprompted review
Easy to apply once accepted easy to…
Easy to apply once accepted easy to manage my account in the app
February 26, 2026
Unprompted review
Brillant online bank.
Brillant online bank.
The app so easy to use.
To do with the added security gives you peace of good.
June 10, 2026
Unprompted review
Very fast and reliable service
Very fast and reliable service. Thanks to zopa I managed to consolidate my debts. Forever grateful.
June 12, 2026
Unprompted review
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