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Zopa Reviews 

37,883
•
TrustScore 4.5 out of 5

4.6

Bank
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Review summary

Created with AI, based on recent reviews

Considering 6,448 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the fast and completely straightforward loan application process, alongside the highly intuitive mobile app that makes managing personal finances extremely simple and clear. Consumer feedback consistently emphasizes how efficiently approved funds are securely transferred directly into personal bank accounts within just a couple of hours. Some reviewers were not happy with payment processing, noting that certain routine transactions failed or occasionally encountered persistent system errors. Others mentioned that loan settlement payments were occasionally delayed in updating correctly on their bank accounts, leading to understandable customer frustration.

What people talk about most

User experience

People report positive experiences with user experience, highlighting quick, easy, and straightforward online... See more

Service

Users describe positive interactions with service, highlighting fast and efficient loan applications with... See more

Payment

Reviewers highlight positive aspects of payment, noting that funds are deposited quickly and smoothly into... See more

Application

Customers consistently note positive experiences with app, describing it as very easy to use and... See more

Customer service

Clients share positive opinions on customer service, praising the team for being very helpful, polite, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

The whole process was very easy. They offer competitive rates and give quick decisions. On completion money paid directly into my bank. Their app is vey easy to use and layout is great allowing yo... See more

Rated 5 out of 5 stars

Zopa is excellent. Their process is very quick and very clear. Once you have the loan, the web interface is incredibly easy to use and informative (I've had loan companies where you take out a loan, t... See more

Rated 5 out of 5 stars

Zopa had been very good to us, we had car finance with them, as well as personal loan. Super fast decision and instant credit, competetive rates and reasonable early settlement fees. Will defo use the... See more

Rated 5 out of 5 stars

5 star for every single step of the service. Excellent, efficient, quick and hassle free loan approval path and subsequent repayment. Lovely communication on email and app for me. Have nothing but p... See more

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

38K reviews

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4.6

All reviews

(37,883)

6,082 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 5 out of 5 stars

Made the inquiry on a Saturday with one…

Made the inquiry on a Saturday with one further question & by Sunday (PM) was approved & money going into account in the next 24 hours.

Found the process quick & easy, no fuss would not hesitate to use Zopa again

6 September 2026
Unprompted review
Rated 5 out of 5 stars

Very happy with the mobile app

Very happy with the mobile app. Great offers, only think is I would like to switch from my current bank to my Zopa Biscuit account, but they don’t do Pay by Bank which is how I pay my other bills.
Overall very happy

31 July 2026
Unprompted review
Rated 4 out of 5 stars

Easy to get loan a couple of things…

Easy to get loan a couple of things otherwise it would have been a five star rating interest to high and when I went to pay off loan earlier there website would not process my payment through direct debit so I had to pay through my bank a bank transfer but overhaul a satisfactory outcome
Thanks

4 September 2026
Unprompted review
Rated 5 out of 5 stars

Love everything about Zopa

Love everything about Zopa, from their great rates to their easy Stocks and Shares ISAs. Just got a loan at a cheaper rate than I was paying with Lloyds. Will save me nearly £150 in interest over the next 2 years.

5 September 2026
Unprompted review
Rated 5 out of 5 stars

Satisfied customer

I have been with this company for 5 years and there rates are very competitive,I have just settled a loan early and taken out a new one for a further 4 years,strongly recommended them as so easy to deal with

4 September 2026
Unprompted review
Rated 5 out of 5 stars

I love how Zopa works

I love how Zopa works, I've been with them for over 3 years, never had any concerns.
I like being able to split my money into different pots for different reasons is great and because I can put different restrictions on means I can't dip into accounts as and when.

4 September 2026
Unprompted review

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