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Zopa Bank - Mobile Banking
Zopa Bank Ltd · 0 ratings · ★ 0.0
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★★★★★
0 ratings
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Top complaints - extracted from 37 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"card"
8 negative reviews mention this · 22% of all complaints
★★★★★ "The worst credit card company I've ever used. Randomly moved my payment date to an earlier one without notice (making it so I had to pay twice then in the same pay cycle), then when I spoke to them to fix it they made an error and set my pa…" - Luke Johns
2
"account"
8 negative reviews mention this · 22% of all complaints
★★★★★ "won't deal with fraud properly and your account is a free for all to other people." - Darren Ayres
3
"money"
6 negative reviews mention this · 16% of all complaints
★★★★★ "so far, I'm not amused by how long the app is taking to load and how it seems to crash when I want to transfer money. I'm thinking if this continues I'll lose faith in this bank and move my money elsewhere as it makes me nervous that I have…" - Rob B
4
"phone"
5 negative reviews mention this · 14% of all complaints
★★★★★ "how do I change my phone number. I cant log in to the app and customer support requires a code sent to my OLD NUMBER WHICH I DONT HAVE ? please assist this is getting frustrating" - Thenew Ane
5
"customer"
5 negative reviews mention this · 14% of all complaints
★★★★★ "how do I change my phone number. I cant log in to the app and customer support requires a code sent to my OLD NUMBER WHICH I DONT HAVE ? please assist this is getting frustrating" - Thenew Ane
6
"credit"
5 negative reviews mention this · 14% of all complaints
★★★★★ "The worst credit card company I've ever used. Randomly moved my payment date to an earlier one without notice (making it so I had to pay twice then in the same pay cycle), then when I spoke to them to fix it they made an error and set my pa…" - Luke Johns
7
"company"
5 negative reviews mention this · 14% of all complaints
★★★★★ "The worst credit card company I've ever used. Randomly moved my payment date to an earlier one without notice (making it so I had to pay twice then in the same pay cycle), then when I spoke to them to fix it they made an error and set my pa…" - Luke Johns
8
"payment"
5 negative reviews mention this · 14% of all complaints
★★★★★ "The worst credit card company I've ever used. Randomly moved my payment date to an earlier one without notice (making it so I had to pay twice then in the same pay cycle), then when I spoke to them to fix it they made an error and set my pa…" - Luke Johns
9
"credit card"
5 negative reviews mention this · 14% of all complaints
★★★★★ "The worst credit card company I've ever used. Randomly moved my payment date to an earlier one without notice (making it so I had to pay twice then in the same pay cycle), then when I spoke to them to fix it they made an error and set my pa…" - Luke Johns
10
"zopa"
5 negative reviews mention this · 14% of all complaints
★★★★★ "Not happy to be thrown between the app and the web to do my fixed savings - I'm sure it was simpler/safer before where I could do it all in the app. It's a shame as I've been a satisfied zopa customer for a while now." - T W
11
"bank"
5 negative reviews mention this · 14% of all complaints
★★★★★ "worst bank made me pay for 300 of items I didn't even spend con artist in the office want nothing to ever do with this company again worse mistake of my life was getting a card from them" - harp kaur
12
"number"
4 negative reviews mention this · 11% of all complaints
★★★★★ "how do I change my phone number. I cant log in to the app and customer support requires a code sent to my OLD NUMBER WHICH I DONT HAVE ? please assist this is getting frustrating" - Thenew Ane
📋 All 37 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
how do I change my phone number. I cant log in to the app and customer support requires a code sent to my OLD NUMBER WHICH I DONT HAVE ? please assist this is getting frustrating
The worst credit card company I've ever used. Randomly moved my payment date to an earlier one without notice (making it so I had to pay twice then in the same pay cycle), then when I spoke to them to fix it they made an error and set my payment date to the 5th not the 25th. Then made it very difficult to complain. Useless customer service. Useless complaints team. Avoid at all costs unless you want to put your finances at risk.
won't deal with fraud properly and your account is a free for all to other people.
badly designed user interface, just too confusing with a number of different types of accounts and hubs. bad user experience.
cant even use the damn card it kerps blocking its self
appalling the app keeps sending verification texts to my old phone number which I haven't got any more when I called them they wanted to verify who I was by sending me a text to yes my old phone number
wouldn't use again.
worst bank made me pay for 300 of items I didn't even spend con artist in the office want nothing to ever do with this company again worse mistake of my life was getting a card from them
awful company. no help on the phone i have disabilities used it against me not to talk to me and hang the phone up!!!!
The app was excellent until it was updated. It used to open (after the biometrics) then show me the current balance on my account, up coming payments etc., now it just opens into adverts for their other accounts no way to see the details of my account (balance, payments, settlement fees). It's so bad, I want to close this account and go elsewhere (it really is that poor - whoever designed this upgrade should be sacked)
Garbage app. Unable to use biometrics to log in, constantly asking for pin number, then asks do i want to set up biometrics again. Then next log in; same again - rinse & repeat. Will be glad to be finally rid of Zopa.
I setup a standing order for my rent weeks in advance. On the day my rent was due Zopa blocked the payment saying they think it's a scam.
I regret getting the credit card. Can't shop online, every transaction fails even after typing the code and verifying in the app. Contacted support to remove any blocks, even then it still fails. Just tried to shop online at tesco right now but this poor credit card failed. Will be cancelling this pointless credit card, wish I didn't apply for it because the application will affect my credit report
They said i'm qualified for a loan after i applied they rejected the loan and done a hard search on my credit file what a joke of a company, be careful with them, btw my credit card is still on £300 limit never got a raiae even if i paid always in time..
No option to switch using CASS.
fails to make payments when redirecting from bank back to app, I now have 2x payments pending
Insecure, had account hacked and still compromised after they informed me it all fixed.
Terrible app, terrible customer service. I am 29 years old, have never encountered a tech issue, I am trying to register my account. After uploading my selfie the app will not allow me to upload a photo of my passport. My passport is less than 1 years old (issued June 2025). The app wants to perfectly scan my passport, allegedly to sell the data later as the company that does the ID checks keeps all photos for maximum 557 days.
I opened an account, transferred some money in, and tried to open the 7% savings account. The app said the payment system wasn't working. Never seen that before on a banking app. As soon as it was working, I transferred my money back out. No thanks.
these were brilliant till I noticed they take money off the credit card daily its only about 87p or around that a day but they dont tell you and I didn't notice till recently
worst app I've came across , cust service , no we can't take a £1100 xtra payment .seriously let down.
Avoid at all costs. They are set up to ensure you get fined monthly by taking direct debit payment up to seven days beige the due date NO OTHER BANK DOES THIS I wish I'd never signed up, have already destroyed my card. Likely I will get a reply asking me to contact them, I have done this already. changed my direct debit date, they took my payment on same date (now ten days before).
I'm trying to open a new account. I can't get past the step where it asks you to opt into their offers and advertising stuff. If I click on No Thanks, the app closes and if I click on Sure, I'm In it shows a blank grey screen with a progress bar stuck at 7/8. If I close the app and reopen it, it asks me to start all over again. This is the first time I entered my email here. So, it's not a blacklisting issue or anything like that.
Very bad
DOES NOT OPEN. AWFUL SITUATION WHEN THEY HOLD YOUR MONEY.
DID NOT RECEIVE THE £15 BONUS FOR OPENING VIA MSE!! It has been 6 weeks and after contacting them countless times I still haven't had it
Absouloute diabolical app opened an account and put money in it sent money to family then they reatricted my account and wanted to know who they are and how long ive known them deffinetly dont uae this app
app used to be fine but at some point a year or so ago when they did a rework the app because horrendously laggy and unusable, i have a high end phone so it's just vibecoded bs seemingly
doesn't work, tried multiple weeks apart, get my OTP and then says something went wrong their end. no error code, nothing.
Beyond exasperated!
Never got the help needed. The customer support team is just not informed enough to deal with specific situations. High Street banks and even online banks like monzo have been better for me and guidelines are in line with home office should a specific situation arise.
the app seems broken recently. takes forever to start up them constantly spams saying the app is stuck and it needs to be force closed. very annoying
Not happy to be thrown between the app and the web to do my fixed savings - I'm sure it was simpler/safer before where I could do it all in the app. It's a shame as I've been a satisfied zopa customer for a while now.
I do not have a zopa credit card .but keep getting statement email, I dont even have the app on my phone what can I do?
so far, I'm not amused by how long the app is taking to load and how it seems to crash when I want to transfer money. I'm thinking if this continues I'll lose faith in this bank and move my money elsewhere as it makes me nervous that I have trouble moving my money within your app.
can you let user know when you do maintenance? I always cant make transfer because it always hit your maintenance window!!
Well, I've always been happy with Zopa, but, having just opened a boosted cash ISA, i can't add money to it through my normal linked bank account .... ok, so i go on the chat help thing.... what a frustrating experience 3 days on and off trying to get it sorted, keep changing operators, then get, how can I help today, so you tell them and waste time waiting, then they change operator and you get... "how can I help you today" ARRRRGGGHHH sooo frustrating and to date its STILL not resolved.
Sentiment summary
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Positive (4-5★)
100%
Neutral (3★)
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Negative (1-2★)