Still no maps though:
1 Like
It works really quite well, notifications are quick and instant.
Lack of statements on demand for now and no other standout features so still quite basic for now 
2 Likes
They do have notifications. I’m considering using it for a spending account because of the 2% interest…also making use of the regular saver and moved over a couple of DDs for the cash back.
I already liked the app (use Zopa for some savings) and while it’s rough around the edges, they seem to be iterating quite quickly.
4 Likes
I had a terrible experience with the first purchase on my Zopa debit card.
I was trying to pay online, but it declined due to the incorrect PIN. It’s a beta account, so thought I’d let them know via chat.
Took me ages to find a way to speak to somebody, but then I got taken to some sort of weird chat equivalent of IVR and when I’ve got through to somebody, they asked me for my credit card info to verify security.
Explained I was getting in touch about my debit card, they transferred me and then I was asked for details about my debit card account for security. I’m getting in touch through the app and have already passed security to login!! What on earth?
At this point I gave up, transferred the money elsewhere and made the purchase on a different card.
Today I got a text message which said “ Hi Dan, at Zopa we really value your feedback, so we’d like to ask you some questions about your recent conversation with us.”. They never sent a follow up… so I can’t even feedback that way…
5 Likes
The debit card does support Apple Pay but the credit card doesn’t
2 Likes
I suppose with a “live chat” you wait to be connected to an agent, and then send messages back and forth consistently until your issue is resolved.
Some banks like NatWest have a “chat” feature which functions more like email under a chat style interface. The responses aren’t instant and the conversation can go on without you “staying connected” the whole time.
2 Likes
Not really.
7.5% fixed rate regular saver is pretty much market leading. The savings (particularly the ISA) are quite innovative in the way they use pots but the current account is just an early days of Starling or Chase clone.
3 Likes
Don’t get me started on chat bots. Unfortunately the default setting on 99% of websites in the support section is to take you to straight to the in house chat bot. These invariably have ‘hilarious’ industry related names like Dot, Cooky or Asshat. You then spend the next 10 minutes trying to persuade or kid the bot into letting you speak to a real person, while the bot tries to convince you to just give up and go away.
Anyone old enough to remember Clippy, the talking Microsoft Office paper clip?
3 Likes
On the ones I’ve used for banks, just saying “Speak to a person/agent” works. Never struggled to get through to someone.
1 Like
Eventually, yes, but it’s so frustrating in the interim. I should perhaps mention that I cannot be doing with self-service tills.
1 Like
Aha. Closet Luddite 
I used it for a single chunky DD into savings to get the year’s cashback in one go. I did try a couple of small purchases - transactions and notifications worked well, but then so do most of all the other accounts I have.
3 Likes
It still can’t accept incoming BACS which makes it of limited use.
4 Likes
I’m definitely seeing an improvement in the app/notification quickness etc but I agree the text code verification while it’s good to see from a safety element, I’d agree a fingerprint should be enough.
3 Likes
It’s the same for the credit card, even viewing the pin.
2 Likes
I don’t mind it, only asks me when I’m setting up a new payee in RBS.
2 Likes
Is anyone else’s Zopa app popping a message that ISA withdrawals are having issues right now, and then a few seconds later says “you’re offline”?
It did this yesterday morning, then it was ok later, same thing again this morning.
Mine looks ok.
Finally, an invite has appeared. How long does it take them to do the ID verification?
Mine was instant.