Also known as: Zopa Bank; Zopa; Biscuit (current account brand, 2025)
Zopa Bank Limited is a UK digital bank that grew out of Zopa, one of the world's first peer-to-peer lending platforms. The peer-to-peer lending service was wound down in 2021 and the business fully transitioned to a regulated bank focused on personal financial products.
Zopa Bank now offers personal loans, credit cards, a savings account, and a money management app. Its personal loan product has been recognised for competitive rates, particularly for customers with a good credit history. The savings account offers competitive interest rates compared to high street banks.
The Zopa credit card includes features aimed at helping customers manage their credit, such as the ability to see their credit score within the app and tools to track spending.
Zopa Bank does not have any physical branches. All products are managed through the app or online. Customer service is available by phone and through digital channels.
If you have a Zopa loan, credit card, or savings account and need to contact them, details are available on their website at zopa.com. Their registered address is 2nd Floor, 6 Cross Keys Close, London, W1U 2DZ. Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 under the Financial Services Compensation Scheme.
If you are finding it difficult to manage repayments on a Zopa loan or credit card, contact Zopa's financial support team directly. Free debt advice is also available from StepChange and National Debtline.
Quick summary
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These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Zopa Bank Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal loans, credit cards, instant access savings, fixed-term savings, FSCS-protected deposits, current accounts (Biscuit brand, launched March 2025), Zopa Investments (2026)
Trading names and group notes
Zopa Bank Limited (10627575) is a subsidiary of Zopa Group PLC (10624955). Biscuit is a trading brand of Zopa Bank Limited for its current account product. Zopa won Best Personal Current Account (Biscuit), Best Regular Savings Provider, and Best Savings App at the Moneynet Personal Finance Awards 2026.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.6
Approx. 36,102 reviews
Other review sources
Trustpilot: 4.6/5 from ~36,102 reviews — rated 'Excellent'; Moneynet Personal Finance Awards 2026: Best Personal Current Account (Biscuit), Best Regular Savings Provider, Best Savings App; Good Money Guide expert rating available: goodmoneyguide.com/review/zopa; Smart Money People: smartmoneypeople.com/zopa-reviews/products; Google Play app: com.zopa.zeos (Zopa Bank Mobile Banking); Apple App Store: id1324011914; BankAdvisor.co.uk 2026 review: 'Savings Rates up to 7.10% AER'; 1.5 million+ app customers reported; Zopa Investments launched 2026 with Invesco-managed funds
Overall public sentiment
Zopa Bank holds an excellent Trustpilot rating of 4.6/5 from approximately 36,102 reviews, reflecting high customer satisfaction across its digital banking, savings and lending products. Customers praise competitive savings rates, responsive customer service, and intuitive app design. Negative reviews are rare and typically relate to loan application declines. Zopa is one of the highest-rated digital banks in the UK.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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