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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 24th Mar 2026

156200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Transparent lender They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they a... Read more Reviewed on: 24th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 2026

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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.

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43503)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

I have had a really good experience with Zopa since...

I have had a really good experience with Zopa since day one. I have learned much about my financial situation and decisions. Reviewed on: 15th January 2026

The best card of uk than other cards

The best card of uk than other cards Reviewed on: 7th December 2025

Help ed me when needed with more money

Help ed me when needed with more money Reviewed on: 14th October 2025

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 no luck and then this morning managed to get hold of someone on the live chat who was very unhelpful, with just a message of "a mass communication will be sent out to customers today" In this time I've had payments declined and subscriptions cancelled due to none payment, nightmare! This issue has highlighted that Zopa Bank really lacks ways to get support when you need it, I would highly recommend people take this into consideration when deciding if they want to use Zopa. Reviewed on: 13th October 2025

Good experience no nonsense approach to banking

Good experience no nonsense approach to banking Reviewed on: 30th July 2025

No complaints

Card easy to set up and get going east repayments Reviewed on: 7th July 2025

Fantastic service with my credit card,I never had a...

Fantastic service with my credit card,I never had a problem that was not to much trouble to be sorted specially when I got scammed they cancelled the old card and replaced it within three working days.also very easy to get thru to customer service Reviewed on: 21st June 2025

I can't believe how easy and hassle free to apply fo...

I can't believe how easy and hassle free to apply for a credit card with them. Love the colour of the credit card Reviewed on: 12th June 2025

A great little app managed card, ideal for building...

A great little app managed card, ideal for building your credit rating. I just wish their customer support was a bit more responsive, they do respond but there is a large delay, measured in days. Hopefully that is just them being new and they will staff this desk accordingly. Reviewed on: 12th June 2025

Great service easy to use the app.

Great service easy to use the app.. Reviewed on: 14th May 2025

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