---
title: "Zopa Bank – Mobile Banking - Reviews, Revenue and Downloads in United Kingdom | Apple App Store"
description: "Looking for the best banking app in the UK? Meet Zopa — an award-winning online bank. Powered by the UK’s most helpful banking AI*, Zopa makes everyday online banking simple and rewarding.  Download o"
---

# Zopa Bank – Mobile Banking — United Kingdom
> Online banking made easy

![Zopa Bank App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/73/d7/8c/73d78cbf-2a48-0ae4-65d1-0473d3105298/ZopaIcon-0-0-1x_U007ephone-0-1-0-sRGB-85-220.png/434x0w.png)

**Developer:** [Zopa Group](https://apptail.io/developer/zopa-group-CKQ)
**Category:** Finance
**Rating:** 4.9/5 (73,049 ratings)
**Price:** Free
**Bundle ID:** com.zopa.zeos
**Store:** Apple App Store
**Country:** United Kingdom
**Version:** 2.9.0 (released 2026-10-02)
**Original Release:** 2018-05-14
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/gb/app/app/id1324011914)
**AppTail Page:** [https://apptail.io/app/zopa-bank-mobile-banking-rFn/united-kingdom](https://apptail.io/app/zopa-bank-mobile-banking-rFn/united-kingdom)

## Zopa Bank Description
Looking for the best banking app in the UK? Meet Zopa — an award-winning online bank. Powered by the UK’s most helpful banking AI*, Zopa 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

Biscuit is our 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.

Biscuit comes with perks including:

* Zopa’s AI – helping you with anything from moving money to setting budgets
* Fee-free card spending abroad – no hidden charges when you travel
* Interest on your bank account balance – 1% AER/gross variable
* A free coffee 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

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 and make 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 helpful banking AI*, Zopa makes managing your money quicker and easier.

Use the Ask tab to move money between bank accounts, make payments, set budgets and get spending insights. Just say or type what you need in your own words, like “Did I pay the plumber last week?" or “Set a £50 monthly takeaway budget”, and Zopa’s AI will help you 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, interest on your balance and fee-free spending abroad
* 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 Zopa bank account takes 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 and bank account.

*Based on Zopa testing of AI banking assistants from Revolut, NatWest, Lloyds and Starling. We assessed the range of banking tasks they could complete, their understanding of natural language and the interaction modes they supported. 

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.

## Zopa Bank Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fb/36/58/fb3658ef-c96b-bdb1-f168-140abdbd4a16/Zopa_01.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4d/0c/f4/4d0cf439-aadc-3ac4-29dc-cef9930c7d2b/Zopa_02.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a0/f0/cf/a0f0cfa7-7044-700d-a37b-f250b5f1c0e0/Zopa_03.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/51/92/9a/51929ad2-b72d-1feb-afa0-e4aa27cebcc3/Zopa_04.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/15/4c/5c/154c5cec-f1d3-46ba-da58-fde51603cf5d/Zopa_05.jpg/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ea/18/b9/ea18b929-5dd1-304f-8877-04979b9db07a/Zopa_06.jpg/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fb/30/f2/fb30f2d1-4410-a169-5f05-7f5d734b5189/Zopa_07.jpg/1242x2688.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/93/ef/fa/93effaa1-3ac6-b524-36fb-b3c58d52dfc5/Zopa_08.jpg/1242x2688.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/89/5a/3e/895a3e10-d618-a927-cde6-2fe527aa77a5/Zopa_09.jpg/1242x2688.png)

## Zopa Bank Rating Breakdown in United Kingdom
- 5 stars: 66,748 (91%)
- 4 stars: 4,016 (5%)
- 3 stars: 949 (1%)
- 2 stars: 324 (0%)
- 1 stars: 1,012 (1%)

## Zopa Bank Reviews in United Kingdom

### **--- "Debit card doesn’t work"
Received a new debit card and must say the design and packaging are very well thought through and presented. Only problem is that I can’t view the PIN. Enter the validation code but Continue button does nothing. So the card is pretty much useless right now. Updated to the latest version of the app and running iOS 18 if that helps.
-- RaynardTed, 2025-01-02

### *---- "New App disaster"
Unable to login, keep asking to try again.
-- Chesslover000007, 2024-12-20

### ***** "Miss"
Easy to use
-- Leony Ramos, 2024-12-16

### ***** "ZOPA Feedback"
Excellent professional service
-- 😒Dr Ian Brooman, 2024-12-06

### **--- "Deleted my account yet still getting emails"
I also still get emails to reconnect my bank account to Zopa. From this I decided to try logging in and checking my account was deleted. When I did I got a screen saying my account has been “suspended” instead of it being deleted
-- RetroDev, 2024-12-05

### ***** "ms wood"
great card, app easy to navigate . will be sticking with them over my other company
-- andystudentnurse, 2024-12-04

### ***** "Top savings rates"
Best available rates for your savings. Easy to use and instant transfer
-- Gordon Mo, 2024-12-02

### ***** "Zopa credit card"
I love this card i used it  anywhere, it works in pay at pumps which i read it here ppl didn’t used that before. Just one thing is off which is APPLE PAY FOR ME. Please enable Apple pay so i can add my card in Apple Wallet. Thanks
-- Zainab72, 2024-11-29

### ***-- "No Apple pay."
Everything is great but Apple pay and that is a massive disadvantage.
-- Bler84, 2024-11-15

### *---- "Poor update"
Latest update results in my account signing me out completely and wiping details every time I close the app.
So I open it and I’m required to sign in, email + pword, enter 6-digit code from messages (which unlike every other app on the market DOES NOT automatically get offered as a choice “from messages”, I actually have to open messages, c&p), then it tells me to CHOOSE PASSCODE, RETYPE PASSCODE, and set up face ID!!!

*EVERY TIME I OPEN THE APP*

I’m moving my accounts. Life is too short.
-- 2012ldn, 2024-11-05

[View all Zopa Bank reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Zopa Bank Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | United Kingdom | Finance | #37 |

## Zopa Bank Discovered Keywords
- steadypay
- payday loans uk
- 118
- the credit thing
- borrow money
- loans uk
- uk bank
- bank online
- online bank
- manage investments

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