Zopa Bank – Mobile Banking
Online banking made easy
How much does Zopa Bank – Mobile Banking cost?
Prices are current as of 9 Oct 2026.
Zopa Bank – Mobile Banking has no in-app products on record in the United Kingdom.
10+ alternatives to Zopa Bank – Mobile Banking
| Zopa Bank – Mobile Banking |   first direct |   Zable - Mobile Finance |   marbles card |   Fluid card |   118 118 Money |   Pockit: Bank Card Alternative |   Jaja Credit Card |   Bits Credit Card and More |   Vanquis Credit Card |   CredAbility - Credit score | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.9 | 4.8 | 4.9 | 4.8 | 4.8 | 4.7 | 4.2 | 4.7 | 4.4 | 4.6 | 4.8 |
| Reviews | 73K | 471K | 279K | 79K | 47K | 23K | 17K | 16K | 6.2K | 5.6K | 5.6K |
| Released | 2018 | 2011 | 2020 | 2016 | 2018 | 2022 | 2015 | 2020 | 2019 | 2026 | 2020 |
Zopa Bank – Mobile Banking reviews
4.9 out of 5, based on 73,049 reviews.
What people like
- Interface is clean and modern looking
- Very fast and easy to use
- Support fixed previous transfer issues quickly
What they complain about
- App crashes and freezes constantly
- New design is cluttered and confusing
- Customer service is slow and unhelpful
Good Clean Banking App
It’s a very clean, fast and easy to use mobile banking app. Definitely recommend it. However please allow people to customise their cards as it isn’t very appealing 😕🥲
Rubbish app
Downloaded went through the process only for the app to not allow me to transfer cash isa in. Ridiculous waste of time trying to delete the new account that won’t left me transfer £24,000 into it! Wouldn’t trust this bank with my money now.
Double Face ID a real annoyance
A recent app update now requires Face ID not just once but twice when you open the app. No idea why. But it’s a proper annoyance. Sort it out Zooa.
OK
I’m going to be frank, the app design was a lot better before. New design is flawed. There’s so many UI bugs and issue which begs me to wanna who approved the go ahead? Secondary, I am hit with “something went wrong” when I want to transfer my funds after hours… if there’s temporary issues please state that within the app so people know what’s going one. Thirdly, fix all your dam bugs lol it’s really annoying.
"...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.
Zopa
Very good easy to use highly recommend next I think I will get the current account.
Poo zopa app
Restricted my account for no reason and now I can’t use the account , garbage please no one get this app if you want your app restricted after you received money .
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
ISA transfer in function is not available
The transfer-in function is currently still unavailable. Zopa should update its Smart ISA terms on the website. The app’s live chat is experiencing delays and occasional freezing issues. It currently only allows for the addition of new funds to the ISA, and users cannot close their Smart ISA accounts due to the lack of acceptance for ISA transfer-ins. It would be beneficial for Zopa to provide a notification before account opening, indicating that transfers into the ISA service are not being accepted at this time, and asking if users are sure they want to proceed with opening a Smart ISA account. Additionally, Zopa’s customer representatives could address common questions more efficiently, potentially saving time for users.
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.)
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!
Cash ISA transfer doesn’t work
So don’t bother to open their cash ISA account if you’re thinking about transfer from other banks for your previous financial year’s ISA allowance! Totally doesn’t work, and their customer service won’t be able to tell you how soon it will be fixed either, seems like it has been dysfunctional for a long time.
Has been buggy lately
The app has had several bugs since 2026. Had to reinstall because it constantly displayed “something went wrong”. Before the redesign, it was also very hard to navigate and I couldn’t locate the information I needed. Good bank but unusable app.
Bad customer service
Don't give account went back to never give account find out how bank now you rubbish hunan being
Not much use
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.
Always unavailable
For the past month every time I try to log on to the app it fails with a message “Don’t worry, it isn’t you it’s us. Please give it another try”. I’ve tried multiple times but keep getting the same message. The ironic thing is you need to log in to access help!
Approvals flakey in updated app
The revised app is now unreliable when an approval for a card transaction is required. It always does 2 faceid auths before and after and about half the time the app has to be killed and restarted for the approval screen to appear. This did not happen with the old app.
Bring the old one back.
The app has been updated and whoever designed it didn’t use it that much. I’ve got old closed credit cards showing that I can’t remove. I can’t unlink back accounts that are closed. The payments section is ridiculous. User friendly it is not.
Great product offering and great new update
I love the new app! So fast, lots of improvements clearly based on feedback, better organisation and the transfers seem to be a lot quicker with no issues
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!
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.
New app is great
Don’t listen to the bad reviews, the new app makes it so much easier to see my accounts that matter to me. Everything I need is basically one tap away now… It was overwhelming ugly and complicated to use before.
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.
Quite poor - seems unstable
I’ve been using the app for many months. I preferred the original version. Lately my interest has not been paid on time, the benefits don’t show up consistently (e.g. bonus for direct debits) and linked accounts have to be repeatedly re-established. Some great ideas for a bank app - just very poorly executed. This is a clunky and glitchy app. I am actively looking for a better option so will be switching banks soon.
Worst support team
Can’t even update name without to and fro multiple times through email, worst service
New app glitches
I like the redesign, the app looks far more modern and more able to compete with other digital banks. However, I’m disappointed by the numerous amount of glitches/bugs. For example, face ID is required twice and I’m no longer able to view my connect accounts transactions.
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.
Backwards step to add in products to sell
The latest Zopa app update is a real step backwards. Within minutes of using it, two things stood out as noticeably worse — it’s hard to believe this went through proper user testing. First, you now have to dig an extra level down just to see the actual dates of transactions. The main “recent” or “summary” views don’t show dates at all, which makes them far less useful. Second, payees no longer display the nicknames or references I originally set. Anything transferred into the new app just shows my name and the account number. I have several payees set up to move money between my own accounts, and they all now look identical. Previously, I labelled them with the bank names so I could instantly tell which was which. They’ve also pushed “Borrow” and “Investments” front and centre — neither of which I use — while making the things I do use harder to reach. It feels like the update was designed to promote those features rather than improve the core banking experience. Overall, very disappointing. My bonus rate ends soon, and unless existing customers get the same competitive rates as new ones, there’s a good chance I’ll ditch and switch.
Your app
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
Terrible update
I can no longer see my predicted interest for the end of the month, how is this an improvement over the previous app? Going elsewhere once my higher rate expires in 2 months!
Terrible redesign
‘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??
New App Is Worse
Other then the dark mode of the new version it is a downgrade in many ways not sure if it has deliberately been made to show less info or just incompetence if I could go back to the old version I would.
Zopa Bank – Mobile Banking FAQ
- Is Zopa Bank – Mobile Banking free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does Zopa Bank – Mobile Banking have a free trial?
- No. None of its offers (GB) come with a free trial.
- What are the best alternatives to Zopa Bank – Mobile Banking?
- first direct (4.8 from 471,445 reviews), Zable - Mobile Finance (4.9 from 278,918 reviews) and marbles card (4.8 from 79,160 reviews).
Zopa Bank – Mobile Banking download
Last updated 8 days ago.
Zopa Bank – Mobile Banking sells in 1 country. It was released 8 years and 4 months ago, on 14 May 2018. It holds a 4.9 rating from 73,049 reviews.
Supports 1 language: English.
How much does Zopa Bank – Mobile Banking make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.