Zopa
93/100
Compliance12/12
Customer Satisfaction21/23
Product Value19/20
Innovation11/12
Security9/9
Accessibility8/9
Sustainability4/5
Additional Features9/10
About Zopa Bank
- FCA authorised UK digital bank with strong AI-driven loan tools
- No monthly fees, top savings rates, and easy-to-use app
- FSCS protected up to £85,000
- Trustpilot rating 4.75, App Store 4.85 (May 2025)
- 24/7 UK-based customer support chat
- Biometric security, credit tracker, and savings pots
GoNoGo 100-Point Framework Breakdown
Regulatory Compliance
12
12/12
Fully FCA-authorised, FSCS protected. No fines or sanctions reported in 2024-2025.
Customer Satisfaction
23
21/23
Trustpilot 4.75, App Store 4.85 (May 2025). Praised for app usability and customer service; some complaints about card freezes.
Product Value
20
19/20
Top savings rates, no monthly fees, competitive credit card features.
Innovation
12
11/12
AI-driven loan tools, regular app updates, open banking integrations.
Security
9
9/9
Biometric login, instant card freeze, strong anti-fraud. No breaches reported.
Accessibility
9
8/9
Highly rated mobile app, 24/7 chat support, biometric access.
Sustainability
5
4/5
Limited green loan options; public commitments not as strong as peers.
Additional Features
10
9/10
Credit tracker, savings pots, shared wallets, budgeting tools.
Key Strengths
- Strong compliance and FSCS protection
- High customer satisfaction
- Innovative app features
- Transparent fees
Key Concerns
- No physical branches
- Limited product range compared to big banks
Key Features
- User-friendly mobile app
- High-interest savings pots
- Flexible loan options
- Biometric security
- Shared wallets
- Credit score tracker
Pricing & Limits
| Account | Monthly Fee | Notes |
|---|---|---|
| Current Account | £0 | Free UK transfers, Mastercard debit card |
| Savings Account | £0 | Competitive interest rates |
| Loan Arrangement | Varies | Based on credit score |
App Store Ratings
App Store
★★★★☆ 4.85/5
Google Play
★★★★☆ 4.75/5
Recent Customer Feedback (May 2025)
"Zopa's app is intuitive and the customer service is excellent. Highly recommend!"
"Good features but sometimes the app crashes on login."
"Card freezes too often and support response is slow."