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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Great customer service everything went…
Great customer service everything went perfect highly recommended
I’m Happy Enough
An easy company to get set up with a credit card or loan. I would recommend Zopa. I originally got the credit card to build my credit score, which it did. All in all I’m happy with the service from Zopa
Fast and easy...
Applying for, being accepted and receiving my loans has been quick and easy... and a huge help... 10/10
Easy to fill on line application easy…
Easy to fill on line application easy tu use the app card took little longer than I thought but very professional
Easy to easy to manage
Very good service from start to finish
Very good service from start to finish. Received a callback at the requested time, when the agent called I was ready to dismiss it as I had already received another quote for a loan and was sure it couldn't be matched, let alone beaten. The agent was very helpful, clear about my options and there was no pressure to accept the offer. Decided to take the offer as it the interest rate was far better and would save me a few thousand pounds compared to the other loan I was considering. Money arrived in my account within the hour, extremely pleased with the efficient, informative and knowledgeable agent. Thank you 😊
Really easy and straightforward process
Really easy and straightforward process for getting both a loan and credit card. The app is user friendly and easy to find everything you need including early redemption.. So pleased and am continuing to use!
Zopa Gives Zing
Zopa its job very well and they are thorough in their methods of evaluation.
The application process is easy to understand and my overall experience with Zopa was excellent - truly first class.
Simple
Simple, easy to navigate site. Quick response to all enquiries. Excellent service.
Easy to take and pay
Best priced loan I could find for my car, easy to open and super easy to repay early. Great experience
App full of bugs; AI chat bot prevents any meaningful support
The app is full of bugs. e.g. it offers standing orders, but just transfers the funds immediately rather than on a schedule.
Why would they not just remove the feature altogether until its working?
It's been broken for months,.
When I ask, I just get an AI chatbot asking if I would like an answer to the question I asked?
May use AI-assist with repliesRead more
Awful customer support
Lost my job and Zopa deliberately wrote me a caution letter via post ignoring emails being my preferred means of communication on file. Successfully repossessed the vehicle and after auctioning still quotes total outstanding before auction which was in excess of six grand only for customer service rep to tell me to ignore that figure. The whole customer service experience is a joke. They do not update communications with clients.
I will never recommend Zopa to you reading.

Reply from Zopa
Very Easy
Very easy to apply for my loan and super quick approval and transfer of funds to my account
Zopa Bank is a good place to apply for a loan
This is the second time I have used Zopa for a loan and, in both cases, it was easy to apply and the matter was decided within a few days from the application, after just one phone call to check on certain details. I would recommend Zopa to anyone thinking of asking for a loan.
Zopa has been been great
Zopa has been been great. I got a credit card with them. They updated data my credit. Thank you zopa. Plus they gave me a couple of loans. They are great. Thanks Zopa
Very happy with zopa everything is so…
Very happy with zopa everything is so simple and easy to do so I don’t stress or worry
Excellence helping customers in need
Firstly, I approached Zopa because they handle the financial side of the John Lewis Partnership who were my former employer, so I started with an impression of trust when I contacted them. I wanted a loan to consolidate my outstanding debts to make my life easier. They did not disappoint me. After reviewing the details of my application, I got a call a few days later to settle a couple of queries. Then, the next day, the money appeared in my bank account. I am more than satisfied with their agent, their service, and their willingness to help customers in need. Thank you Zopa!
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.







