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Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40272 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

94%

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

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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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)

They are very good

They have helped me a lot and I would like to say thank you Reviewed on: 13th January 2023

Great app easy to use

Great provider ease of use and very phone friendly Reviewed on: 13th January 2023

Fantastic service

Zopa are a fantastic company that support and help you grow or maintain your credit rating for a better financial standing. Would highly recommend. Reviewed on: 13th January 2023

Excellent

Excellent credit card just what I needed Reviewed on: 13th January 2023

Responsible Lender

An excellent credit card. Easy to apply backed up by a very good app which is easy to use and has very good security features. The app itself is backed up by a very high quality customer service over the phone. I personally have had experience of this with a security issue that was sorted out by the operator in less than five minutes. Zopa also understands it's customers by never encouraging unnecessary spending and makes sure to offer a reasonable, responsiple credit limit. All in all a very good quality card and service. Reviewed on: 13th January 2023

Great service and App

Great from application to customer Reviewed on: 13th January 2023

Fantastic

Very easy to use app. I don't have a great credit history because of my wild younger days, but they started with a low limit and increased it when it was clear I can make regular payments, so it improved my credit score. The only down side is that I dont like carring cash abroad, or my bank card, and there is a charge for withdrawing cash on holiday. Reviewed on: 13th January 2023

Great service

Very easy great service everything you need Reviewed on: 13th January 2023

Superb and great service

App is great ! Paying ta bill is easy , payment registers strait away ! Just a great service Reviewed on: 13th January 2023

Amazing provider

Zopa are super clear with everything they make it all so easy and also promote sensible lending! Getting credit can be so risky for some people and I feel Zopa understand that Reviewed on: 13th January 2023

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