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Zopa Bank Review
93 / 100 GO

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
3/5
Limited green loan options; public commitments not as strong as peers.
Additional Features
10
8/10
Credit tracker, savings pots, shared wallets, budgeting tools.

Key Strengths

  • Intuitive, highly rated mobile app with biometric security
  • No monthly fees or hidden charges
  • Competitive savings rates and flexible savings pots
  • 24/7 UK-based customer support chat
  • AI-driven loan tools and credit tracking

Key Concerns

  • Some users report unexpected card freezes without warning
  • Credit limit increases not always granted or easy to request
  • Limited green loan and sustainability product range
  • ISA account handling issues reported by some customers

Features

  • Savings accounts with competitive interest rates
  • Credit card with AI-powered management tools
  • Biometric login and instant card freeze
  • 24/7 customer support chat
  • Credit score tracker and budgeting tools
  • Savings pots for goal-based saving

Fees & Charges

Fee Charge
Monthly Account Fee £0
Foreign ATM Withdrawals Fee-free
Overdraft Interest Competitive rates, varies by credit score
Late Payment Fee None

All fees subject to Zopa Bank terms and conditions. See official website for full details.

App Ratings

Apple logo Apple App Store
★★★★☆
4.85 (May 2025)
Google Play logo Google Play Store
★★★★☆
4.70 (May 2025)

User Comments

Positive App Store Review

Great app simple to use! Love having pots, great rates, and easy to move money around.

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Positive Smart Money People

Amazing credit card really helps me manage my money.

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Neutral App Store Review

Good savings rates and easy to manage account.

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Neutral MoneySavingExpert Forum

The initial credit limit was generous, although after 18 months of being a Zopa cardholder, I have yet to receive a credit limit increase, and there doesn't appear to be an option to request one.

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Negative App Store Review

Absolutely disgusting, they froze my card with no warning, they don't know why it was frozen in the first place, I was in a supermarket waiting to get my weekly shop for the family, card froze so couldn't pay for it.

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Negative Smart Money People

I have had my ISA closed by Zopa without my permission, and incorrect information offered by their advisors about securing my previous year ISA funds, whilst a transfer of part of my ISA was taking place into another bank.

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