Excellent company and all fees are…
Excellent company and all fees are thoroughly transparent.... It's refreshing to find a credit facility as easy to use and navigate as zopa... Will continue to use when needed for sure

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.
Excellent company and all fees are thoroughly transparent.... It's refreshing to find a credit facility as easy to use and navigate as zopa... Will continue to use when needed for sure
Easy application, fast payment and a very competitive APR.
Unbelievable helpful in every way
I applied over the weekend and just had a quick phone call to confirm a few details with them and by the next minute the money was in my account! On the app it tells you your direct debit details payment date etc. very easy and painless
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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This firm is so perfect up front and no hidden agenda . Thankyou
I had an excellent experience with Zopa! My loan application was smooth, quick, and straightforward. The approval process was much faster than I expected, and everything was explained clearly with no hidden surprises. The platform is user, friendly, and the communication throughout was fantastic. I feel confident and supported knowing I chose Zopa. Highly recommend to anyone looking for a reliable lender!
Zopa credit is brilliant easy to manage and straight forward application 5 🌟
Excellent service thanks
Just opened a Zopa Biscuit Acct so I could access their Smart Savings Hub and a boosted Saver. Quick & simple via the App. Card arrived quickly in a dinky little card holder, size of an "old" floppy disc (showing my age), that you pull down to reveal the card. Got the same from Chase, and maybe little things amuse little minds, but the card thingys are brilliant! Got a picture of a Jammie Dodger on the card device - I think Zopa should send out a packet of Dodgers to each new customer. I applied for a Co-op acct at the same time - got the current acct open, but still waiting on their card, and approval for the Co-op saver acct....zzzzz..... Take a leaf out of Zopa's book Co-op & get your skates on....or should that be take a biscuit out of the Zopa biscuit barrel !
Simply brilliant!
Easy and convenient... zopa helped me out when others wouldn't , recommended highly
I applied online for a zopa loan, I found the whole experience really easy, I would highly recommend Zopa..
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.
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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