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Zopa: Credit card reviews

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4.93
Based on 41,972 reviews, last reviewed 18th Feb 2026
167000% increase in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
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95%
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Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026
Charleen E's avatar
Charleen E

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
David Lowe's avatar
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 (41972)

Excellent customer service

5
Easy Mobile app. Easy and fast customer services reply. Reviewed on: 11th January 2023
Chris Wood's avatar
Chris Wood

Excellent

5
Very professional and friendly service Reviewed on: 11th January 2023
David 's avatar
David

Brilliant Bank

5
Any deposit or withdrawal is show almost instantaneously on the Zopa app which is very reassuring security wise. The savings account interest rate is one of the best on the Uk market! We’ll not be moving away! Reviewed on: 11th January 2023
Jim Tarwacki's avatar
Jim Tarwacki

Great credit card

5
Really straight forward to apply with easy to understand rates. Would definitely recommend. Reviewed on: 11th January 2023
Lozzahy's avatar
Lozzahy

Trouble free

5
I've had my Zopa Card for just over a year now and I can honestly say I've never had an issue. I love how easy it is to alter things in the app, the interest rate is sensible and the regular emails that update me on things are very handy. Reviewed on: 11th January 2023
Lorna86's avatar
Lorna86

The first and only credit card provider that offered me a credit card

5
When I was 18-23 I had some difficulties with my credit file which I am progressively sorting out. I am in a much better position with finances now yet it's extremely difficult for me to gain credit products, however, Zopa was the first and only provider to offer me a credit card which has eventually help build my credit score. Additionally, they also offered me a credit limit increase which has been an absolutely god send. The app is extremely easy to use, and repayments are instant so no more waiting 2-3 days before balances are cleared. Should you have any concerns or queries, you can directly message Zopa via the app which is just very fitting for today's times. I highly recommended and enjoy Zopa. Reviewed on: 11th January 2023
Aaron Faithful's avatar
Aaron Faithful

Excellent in every way

5
Excellent card, easy to us, to pay and if you have any queries staff treat you as a valued customer Reviewed on: 11th January 2023
Celticmum 's avatar
Celticmum

Excellent

5
Always excellent customer service. Reviewed on: 11th January 2023
Ian L's avatar
Ian L

Credit card

5
Zopa is great and easy to pay back and account updates straight away and off great ways to saves Reviewed on: 11th January 2023
Shaun's avatar
Shaun

Great experience

5
Great card easy to use low interest rate Reviewed on: 11th January 2023
Lorraine Gomm's avatar
Lorraine Gomm

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