Zopa Reviews 36,138

TrustScore 4.5 out of 5

4.6

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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

Good work

Everything since i have had the card I have never had a problem with my card everything is explained in plain English no hassle at all keep up the good work 😀

23 May 2026
Unprompted review
Rated 5 out of 5 stars

I have dealt with Zopa for quite a long…

I have dealt with Zopa for quite a long period of time and I have always found them to be a very caring Company . I have always found them extremely fair when it comes to how they treat their customers Very fair and professional company to deal with.

23 May 2026
Unprompted review
Rated 5 out of 5 stars

This is such a great company

This is such a great company, and a truly easy and pleasant experience.
My application was through the Clearscore link so some of my details were already known. There were a couple of other questions to answer, then I was asked to upload a selfie plus a photo of my driving licence. A couple of days later a very pleasant lady asked me a few questions which was clearly to check for identity fraud, then said I would receive an email on their decision, but within ten minutes of that call,the funds were in my account.
The lady was polite, precise in what she was asking, professional and friendly.
It was a straightforward, no fuss and easy experience ......would recommend them to anyone, especially as their products include banking and savings.

22 May 2026
Unprompted review
Rated 5 out of 5 stars

ZOPA LOAN

Whilst searching for a loan, Zopa appeared. I hadn't heard about them before so I checked them on line. After completing the on line aplication form I then received an email asking to upload proof of identity. Very smooth process. I then received a phone call from a Zopa representative and following completion of this call the money was in my bank within 5 minutes. Very impressed with how smoothly everything was carried out by Zopa

11 May 2026
Unprompted review
Rated 5 out of 5 stars

Speaking from my own personal…

Speaking from my own personal experience of banking with Zopa has been fantastic. From initial contact the communication has always been first class. I can definitely recommend Zopa as a trustworthy online banking business. I should also add that their app covers almost all the information that you require.

22 May 2026
Unprompted review
Rated 1 out of 5 stars

Shocking

Rang up to cancel before being approved, was told that it wont go through if i hadnt sent any docs. 4 hours later the money appears in my bank. The awful website allowed me to open the chat and raise my concerns... After logging me out every minute. The advisor told me it had been cancelled and id get an email with details to send the money back within the hour. 3 hours later i get an email saying that my loan had been approved. Awful website, awful offshore call centre. Avoid.

22 May 2026
Unprompted review
Rated 5 out of 5 stars

What a fantastic experience from Zopa!

What a fantastic experience from Zopa. Had the funds very quickly after some online checks to do. Really impressed with the service. Thank you. If I need a loan again I know who I am asking and I will ask Zopa again.

10 May 2026
Unprompted review
Rated 1 out of 5 stars

I was helping my nana who is 84 and not…

I was helping my nana who is 84 and not good with technology and hard of hearing to get a loan online. We did her credit report and got “pre approved” for Zopa eligibility checker. We then waited 3 days for the adviser to rifle through questions on what my nana wants the money for. Shocking customer service. Choose different loan provider

22 May 2026
Unprompted review
Rated 2 out of 5 stars

Downright rude CS

Yes, they offer headline grabbing rates sometimes. However, when you do choose to go elsewhere, their customer service people are rude and ignorant. During my last contact with them, with Phumeza, they just decided to ignore my comments and probably went to get a brew. Take what they say with a pinch of salt.

22 May 2026
Unprompted review

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