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Zopa: Credit card reviews

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4.93
Based on 40,272 reviews, last reviewed 7th Dec 2025
No new 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
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1%
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0%
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0%

Latest highest rating:

5

The best card of uk than other cards The best card of uk than other cards Reviewed on: 7th December 2025
Ali Raza's avatar
Ali Raza

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025
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David Lowe
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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Credit card reviews (40272)

Zopa has provided me with better money management

5
Zopa has been very beneficial to me in the sense of giving me an opportunity to improve my credit rating but, also giving me responsibility to manage my money better. Zopa is clear and concise and there is no hidden surprises. All I’ve had is a good experience with Zopa and will continue to use them until I can. Great credit card to have. Reviewed on: 13th January 2023
Mattyb's avatar
Mattyb

Top notch

4
Honest, transparent, straightforward and very helpful Reviewed on: 13th January 2023
Thomas Leary's avatar
Thomas Leary

Good

5
Good……………………………………………………………………………….. Reviewed on: 13th January 2023
markdowning34@gmail.com's avatar
[email protected]

Really good

5
It’s a really good card, came quickly and always keeps me up to date Reviewed on: 13th January 2023
Susan 's avatar
Susan

Reasonable APR

5
My credit rating was not great, and my previous card provider, Marbles' suited my needs. That changed a few months ago when they hiked their APR to 43.9% for purchase and 50.6 cash advance. For a card targeting a specific group consider this no more than loan sharking and not a responsible lender. Zopa suits my needs exactly with a competitive APR of 34.9% and have zero complaints and a first class App for account management. Reviewed on: 13th January 2023
Keith Humphries's avatar
Keith Humphries

Very helpful and easy to apply for

5
Helped me out when giong through tough times were others wouldn't Reviewed on: 13th January 2023
Mike Mcloughlin's avatar
Mike Mcloughlin

Zopa the best

5
Fantastic and easy to use, everything is simple and good Reviewed on: 13th January 2023
Kevin lee's avatar
Kevin lee

Good

5
Zopa is great, always get a notification when payment is due and when my power has gone up Reviewed on: 13th January 2023
Holly's avatar
Holly

Excellent review

5
Best security measures taken by Zopa before and after providing credit card Reviewed on: 13th January 2023
M.singh's avatar
M.singh

Very easy

5
Very easy to work & to deal with Reviewed on: 13th January 2023
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