I had a terrible experience with Zopa when I was the victim of fraud on my account. Despite reporting the issue promptly, their investigation process was extremely slow and frustrating. They only refunded a few of the fraudulent transactions and refused to refund others—even though they happened at the same location and time, and some were attempted after I had already reported the fraud! Their fraud team kept repeating that they were "investigating" but gave no proper updates, and in the end, they just closed the case and refused to help any further. I was left out of pocket for transactions I did not authorize, and their justification made no sense. There were also multiple attempted transactions after the fraud was reported, showing clear ongoing risk, and they still didn’t act properly. If you’re looking for a bank that takes fraud seriously and protects its customers—Zopa is not it. I’ve lost trust in them and would not recommend banking with them to anyone.