Zopa is a financial services company that offers a range of banking products, including current accounts, personal loans, credit cards, and savings options. The company aims to provide consumers with a simple and secure platform for managing their finances through its user-friendly mobile app. Zopa’s services are designed for individuals seeking easy banking solutions with competitive rates and features such as cashback on accounts and flexible savings pots. Targeting customers who value convenience and straightforward financial management, Zopa has positioned itself as a reliable choice for both borrowing and saving. By focusing on transparency and customer satisfaction, the company fosters a positive banking experience that appeals to a diverse range of users looking for effective ways to handle their financial needs.
Zopa consistently receives high praise from customers, boasting an impressive average rating of 4.9 out of 5. Reviewers highlight the ease of application and fast payment processes, with many noting that the service is straightforward and user-friendly.
The transparency of fees and competitive APRs are also frequently mentioned as significant advantages. Customers appreciate the helpfulness of the staff, describing their interactions as friendly and supportive. While the overwhelming sentiment is positive, a few reviewers express disappointment with specific products, such as cash ISAs, suggesting that Zopa may not be as strong in all areas as it once was. Overall, Zopa is celebrated for its efficient service and commitment to customer satisfaction, making it a highly recommended choice for financial needs.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.9 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“It's refreshing to find a credit facility as easy to use and navigate as zopa”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
 | 4.9 out of 5 (good) | 100 out of 100 | 5.0 out of 5 (good) | 4.9 out of 5 (good) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Zopa is #1 of 5 on overall rating in this group.
60 reviews of Zopa. Filter by what matters to you.
I have two loans which was really easy to apply for I have a credit card and a current account, everything is straightforward unlike most banks where you feel like your jumping hoop. Excellent customer service I would definitely recommend Zopa.
Uncomplicated banking ,competitive interest rates so what more could anyone want ?
Would give this service a five star rating they always touch base to make sure you are supported and understand the benefits of using zips would recommend to all
Quick answers to the questions people ask most.
Yes, Zopa is a legitimate company with a strong reputation, boasting a high customer rating and numerous positive reviews. Customers frequently highlight their transparent fees and excellent service.
No, Zopa is not a scam. Verified reviews consistently show that customers appreciate their straightforward processes and reliable support, making it a safe choice for financial services.
Zopa offers various financial products, including personal loans, credit cards, and savings accounts. Customers commend the ease of application and quick approval times for these services.
Zopa provides competitive APR rates on loans and credit cards, with transparent fee structures. Customers have noted that the application process is simple and payments can be managed easily online or through their app.
Zopa offers customer support through multiple channels, including phone and online chat. Many reviews indicate that their support team is helpful and responsive, assisting customers with inquiries effectively.
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It was simple to apply for a loan and the money was in within minutes
Applied for a credit card it came very quickly no hassle excellent service
Credit card and Loan was easy to set up communication is very good when you need to contact them. They do up your credit when they think it is right to do so and they care about their customers. I would recommend them. .
Just stared with Zopa ..really easy to use app and great interest rates (at moment) not my main banking source tbh but as a secondary bank it’s working very well
The company is great
Zopa is so easy to use and is customer friendly. Their regular savings account is one of the best interest rates around. The only thing that could be helpful is if you could pay cash in rather than having to put into another account and then transfer across, but you cant have everything.
Fast and efficient service and 💯% as described
The Zopa Biscuit Account has been really brilliant for me! I find the app really user friendly and I like how you can see the interest you are accruing via the savings hub. Their regular savers pot has made a huge difference to my ability to save, and the fact that there’s no penalties to withdrawing funds is excellent. I have nothing but good things to say about my experience with Zopa!
It was so easy to open an account with Zopa. once money was transferred in I was able to open a regular savings account at a really competitive rate. My bank card arrived really quickly, and I love the way you're immediately updated when you spend on either the card or card on my phone wallet. So far really impressed.
Zopa is a financial services company that offers a range of banking products, including current accounts, personal loans, credit cards, and savings options. The company aims to provide consumers with a simple and secure platform for managing their finances through its user-friendly mobile app. Zopa’s services are designed for individuals seeking easy banking solutions with competitive rates and features such as cashback on accounts and flexible savings pots. Targeting customers who value convenience and straightforward financial management, Zopa has positioned itself as a reliable choice for both borrowing and saving. By focusing on transparency and customer satisfaction, the company fosters a positive banking experience that appeals to a diverse range of users looking for effective ways to handle their financial needs.
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