# Zopa Bank – Mobile Banking — Online banking made easy > Award-winning digital bank for current accounts, savings, and loans. (iPhone/iPad app by Zopa Ltd.) - Source: https://appshunter.io/ios/app/zopa-bank-mobile-banking/id1324011914 (this page in markdown: same URL + `.md`) - Developer: [Zopa Ltd](https://appshunter.io/developer/1324011913) - Category: Finance - Price: Free - Rating: 4.85/5 from 69,443 App Store ratings · 173 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 224 MB - Languages: American English - Released: 2018-05-14 - Data updated: 2026-09-06 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zopa-bank-mobile-banking/id1324011914/reviews.md ## What is Zopa Bank? Looking for the best banking app in the UK? Meet Zopa — an award-winning online bank that makes everyday online banking simple and rewarding. Download our mobile banking app with savings, budgeting and borrowing tools all in one place, and join over 1.5 million customers already banking with Zopa. AWARDED BEST PERSONAL CURRENT ACCOUNT BY MONEYNET 2026 Introducing Biscuit, an award-winning free bank account that puts money back in your pocket every month. It takes just 4 minutes to set up from your phone. Everyday banking with Biscuit comes with perks including: - Fee-free card spending abroad – no hidden charges when you travel - Interest on your bank account balance – 1% AER variable - A free barista-made drink from Caffè Nero every month - FSCS protection up to £120,000 Plus, you get to choose a benefit that suits you. Pick from: • 2.75% AER (2.72% gross) variable interest on your balance • 3% cashback on up to £150 of Direct Debits each month • 3% cashback on up to £150 spent on eating out each month Our banking app also connects to your non-Zopa bank accounts and credit cards giving you a complete financial picture in one place. Whether you need an app for budgeting and saving or a smarter way to handle day-to-day online banking, Biscuit makes personal banking a little sweeter. Interest and cashback is paid monthly. ATM withdrawal fees may apply abroad. 18+ UK tax residents only. T&Cs apply. zopa.com/bank-account SAVE WITH ZOPA Searching for the best app for growing your money? Zopa has been named Moneynet's Best Savings App two years running. Our mobile banking app with saving and investing tools is built to help you reach every financial goal, big or small: - Easy access savings pots: flexible, with no lock-in period - Fixed interest savings pots: secure a great rate and watch your money grow - Flexible Cash ISA pots: save up to your annual allowance, completely tax-free - Auto-save: let the app move money into your pots automatically, without lifting a finger BORROW WITH ZOPA Keep tabs on your Zopa credit card, personal loan or car finance in one app. Check your balance, manage repayments and make extra payments in just a few taps. Recognised by the British Bank Awards as 2024’s Best Personal Loans Provider and 2025’s Best Credit Card Provider. BUDGET SMARTER WITH ZOPA With the UK’s most advanced banking AI, Zopa is a smarter way to manage your money and bank account. Coming soon: Use the Ask tab to move money, make payments, , set financial goals and get spending insights in seconds. Just say what you need in your own words, like “What’s my most expensive habit?” or “Set a £50 monthly Deliveroo budget”, and Zopa’s AI will get it done. WHY MILLIONS CHOOSE ZOPA - The best banking app for online banking: award-winning across current accounts, savings and lending - Free Biscuit bank account: cashback on bills, interest on your balance and fee-free spending abroad - Flexible savings pots for every goal: easy access, fixed rate and Cash ISA - FSCS protection up to £120,000 - Friendly support team available by call or chat Whether you're brand new to mobile banking or switching from another bank, opening a Biscuit bank account takes just minutes. Join over 1.5 million customers who've found a smarter way to bank, save and borrow — all in one place. Download the Zopa app today — the best banking app for people who want more from their online banking. 18+ UK residents only. Banking services provided by Zopa Bank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FSCS protected. T&Cs apply. ## Key features - 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 ## Recent user reviews (10 of 173) All indexed reviews: https://appshunter.io/ios/app/zopa-bank-mobile-banking/id1324011914/reviews.md ### 5/5 — My issue was resolved, eventually! *2026-08-27* 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! **Developer response:** 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. ### 3/5 — Lending *2026-08-25, version 2.3.0* 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.) ### 1/5 — The worse customer service and bank ever meet, after I got restrictions on my account without reason *2026-08-24, version 2.3.0* 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. ### 3/5 — Bad customer service *2026-08-21, version 2.3.0* Don't give account went back to never give account find out how bank now you rubbish hunan being ### 1/5 — New App is worse - pls help! *2026-08-18, version 2.2.0* 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!! ### 1/5 — Your app *2026-08-17, version 2.2.0* I find the new app hard to follow it used to be clear and simple. This may stop me from using your company in the future ### 1/5 — Terrible redesign *2026-08-16, version 2.2.0* ‘Simpler’ App is much more complicated! Tabs I dont need, have to go searching for my products that used to be on one page. Bank transfers still don’t show where they’ve gone( basic functionality) and an old credit card has reappeared two years after closing it. Have you outsourced design to Chat GPT?? ### 5/5 — Not much use *2026-08-16, version 2.2.0* Doesn’t really do much. I was expecting to be able to see my accounts and carry out banking functions instead it seemed just to want to sell me stuff. Added to which it froze anyway. Deleted. ### 1/5 — Poor update *2026-08-15, version 2.2.0* The new update is really bad. Loads of glitches e.g. unknown narratives and dates missing from transactions. Awful. ### 1/5 — Awful *2026-08-15, version 2.2.0* The latest update is a massive step backward, messy screen which is not visually pleasing, old app was so much better. Hope you’re reading the latest reviews as it’s not just my view. ## Frequently asked questions about Zopa Bank ### 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. ## Version history (last 5 releases) ### 2.5.0 — 2026-09-03 Bug fixes and improvements ### 2.4.0 — 2026-08-26 Zopa's award-winning Biscuit bank account now lets you pick the benefit that suits to you, and switch whenever your priorities change. ### 2.3.0 — 2026-08-18 Bug fixes and improvements ### 2.2.0 — 2026-08-11 Bug fixes & improvements. ### 2.1.0 — 2026-07-31 Britain’s Best Banking app just got even better. We’ve redesigned our app around how you manage your money. So whether you’re checking your balance, making a payment, growing your savings or keeping an eye on your borrowing, it’s easy to find what you need and get things done. You’ll now see five simple tabs that help you get where you need to go, faster: • Spend for your bank account, credit card and transactions • Save & Invest for ways to grow your money • Borrow for loans, credit cards and car finance • Pay for sending and moving money • Ask for AI-powered help managing your money – this feature’s coming soon Less faffing. More doing. Update your app today to see what’s new. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*