Zopa Bank – Mobile Banking

Zopa Bank – Mobile Banking

Online banking made easy

69K ratings
181 reviews

Details

  • Released
  • Updated
  • May 14, 2018
  • September 24, 2026

Features

Zopa Bank – Mobile Banking screenshot #1 for iPhone
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Zopa Bank – Mobile Banking screenshot #10 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

2.8.0

September 24, 2026

Bug fixes & improvements

Events

Read more about Ask more from your money

Ask more from your money

With a Biscuit bank account from Zopa

Sep 14, 2026 — Oct 15, 2026

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

"...now powered by AI"

How many people have honestly thought "what I really want is AI in my bank account"? I'm willing to bet zero or very close to that. But AI is what we're told is so fantastic for everything, so here it is.

Okay but…

I was quite enjoying using Zopa then have come across some significant issues with it.
The chat does not get saved so I have no idea what the response was to my last question. Considering it’s an asynchronous chat this is ludicrous.
Why can’t I see previous chats?
Why can’t I pose a question out of hours for you to respond when you do open?
Another issue is that you can’t see any information on a transaction to do with which account was paid only the name on the account which is a problem when you have multiple payee accounts for the same person.
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Really hate the redesign

Did anyone test this on real people? It used to be simple and user friendly, now it’s cluttered and complex. Combined with the reduction in benefits on Biscuit I may move elsewhere

Daylight robbery!

Getting out of the app when it wanted to charge me £9.99 monthly fee initiated a payment I’m now struggling to get back. How do I get my money back?

Take care if you don’t want to be mugged by this AI!

Bait and switch

Replacing the regular saver with justification of subpar “benefits” on the biscuit account reeks of bait and switch tactics. Clearly a rouse to get funding in and hope people leave their savings on a below inflation interest rate once the term finishes.
Disappointing and hope customers realise the tactics are no different from other banks. All your awards mean nothing to us.
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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.