Zopa Bank – Mobile Banking

Zopa Bank – Mobile Banking

Online banking made easy

69K ratings
173 reviews

Details

  • Released
  • Updated
  • May 14, 2018
  • September 3, 2026

Features

Zopa Bank – Mobile Banking screenshot #1 for iPhone
Zopa Bank – Mobile Banking screenshot #2 for iPhone
Zopa Bank – Mobile Banking screenshot #3 for iPhone
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Zopa Bank – Mobile Banking screenshot #6 for iPhone
Zopa Bank – Mobile Banking screenshot #7 for iPhone
Zopa Bank – Mobile Banking screenshot #8 for iPhone
Zopa Bank – Mobile Banking screenshot #9 for iPhone
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About

An award-winning banking app offering a free current account with cashback, savings tools, and borrowing management. Connect all your financial accounts for a complete overview and smarter budgeting.

Free current account with cashback
Savings pots with various options
Borrowing management (credit card, loans)
Budgeting and spending tracking
Connects to external financial accounts
Fee-free spending abroad
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What's New in Zopa Bank

2.5.0

September 3, 2026

Bug fixes and improvements

Events

Read more about Britain's Best Banking App

Britain's Best Banking App

Award-winning banking, free to open

Aug 24, 2026 Aug 31, 2026

Read more about Zopa has a fresh new look

Zopa has a fresh new look

Managing your money is now even easier

Aug 2, 2026 Aug 8, 2026

User reviews

My issue was resolved, eventually!

Review update: the issue I had below is now fixed so I can transfer funds again between accounts internally. Thanks for fixing this Zopa!! Therefore, no issues at all and its 5 stars all the way.

The updated Zopa app says it’s compatible with my ageing iPhone but I’m now unable to transfer funds internally from my Biscuit Current Acc to my Primary Access Pot. You enter the details but the screen just hangs and nothing happens so transfer does not work. I’ve reported this to the chat facility whereby they said it would be invested in 3 days. Wait & see I guess!
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Response from developer

Sorry to hear you’ve had issues with the app. Thanks for raising this with us. We’ve reported this to the relevant team and will be looking to issue a fix.

Lending

I know that Zopa used to or maybe still does on its website have the ability to land your own money out at risk of losing your capital and I want to know is this option available through the Zopa banking app? (I only put a free star review because I can’t post the review without putting a star but I can’t give it at low score because I’ve never had it but if you could lend your own money out to make profit on the returns just like you can on the website, then I would give it a five star most likely.)
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The worse customer service and bank ever meet, after I got restrictions on my account without reason

I try to contact customer service and they was unable to sort out the problem in 2h and a half
I explain them my problem and my emergency payment which I have to made but they don’t care and because of them I have to stay at list one more month in the pain. Useless bank don’t worth to have account with them, is same to be a scam bank ( I’m not 100% sure about it )and they don’t sort out the problem after a lot of chats and phone calls and complaints made the problem still unresolved.
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Bad customer service

Don't give account went back to never give account find out how bank now you rubbish hunan being

New App is worse - pls help!

The updated Zopa app says it’s compatible with my ageing iPhone but I’m now unable to transfer funds internally from my Biscuit Current Acc to my Primary Access Pot. You enter the details but the screen just hangs and nothing happens so transfer does not work. I’ve reported this to the chat facility whereby they said it would be invested in 3 days. A week later no update. Had no issues with the old app & would have rated this 5 star. Zopa please can you fix this asap!!
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FAQ

What is Zopa Bank?

Zopa Bank is an award-winning digital bank offering a free current account, savings tools, and borrowing management. It aims to make everyday banking simple, smart, and rewarding for UK residents.

Does Zopa Bank offer a free current account?

Yes, Zopa Bank offers the free Biscuit bank account, which provides cashback on bills and fee-free spending abroad. It also offers interest on your bank account balance.

What savings options does Zopa Bank provide?

Zopa Bank offers various savings options including easy access pots, fixed interest savings pots, and Flexible Cash ISA pots. They also feature an exclusive high-interest Regular Saver pot for bank account customers.

Can I manage my loans and credit cards with Zopa Bank?

Yes, the Zopa Bank app allows you to keep tabs on your Zopa credit card, personal loan, or car finance. You can check your balance, review repayment schedules, and make extra payments.

Is Zopa Bank secure?

Yes, Zopa Bank is an authorized bank and your deposits are protected by the FSCS up to £120,000. The app is designed with security features to protect your financial information.

What are the interest rates for Zopa Bank accounts?

The Biscuit bank account offers 2.00% AER variable interest on your balance. The Regular Saver pot offers 7.10% AER variable for 6 months on deposits up to £300/month.

How often is Zopa Bank updated?

The latest version of Zopa Bank is 1.224.1, and it was last updated on June 22, 2026. This indicates a regular update schedule to improve features and security.

What is the age rating for Zopa Bank?

Zopa Bank has an age rating of 4+, making it suitable for users of all ages. However, specific account terms require users to be 18+ UK tax residents.