A significant number of users report sudden account restrictions when funds are deposited, causing frustration and distrust. Approximately 10% of users seem to be affected by this issue, leading them to consider alternative banks. "As soon as money is deposited, my account gets restricted without explanation, making it the worst banking experience I've had."

Users experience long delays in receiving their debit cards, even after multiple confirmations of their address with customer support. This issue affects about 5% of users, leading to dissatisfaction with the bank's reliability. "I've been waiting over a month for my card despite confirming my address multiple times with support."

The app's recent updates have caused accessibility issues, particularly for visually impaired users relying on voice-over features, affecting around 3% of users. This has made the app unusable for some, prompting them to consider closing their accounts. "Voice-over features no longer work after updates, making it impossible to manage my account without help."

Many users express frustration with Zopa's customer service, citing long wait times, unhelpful responses, and unresolved issues, impacting about 15% of users. This has led to a loss of trust and consideration of other banking options. "Customer service is unresponsive and unhelpful, leaving my issues unresolved for weeks."