Also known as: Zopa Bank; Zopa; Biscuit (current account brand, 2025)
Zopa Bank Limited is a UK digital bank which began in 2005 as the world's first peer-to-peer lending platform before obtaining a full banking licence in 2020. It offers personal loans, credit cards, savings accounts and (from 2025) a current account under the Biscuit brand. In 2026, Zopa launched Zopa Investments for first-time investors. The bank operates entirely digitally with no physical branches.
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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 and social proof
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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