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Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40271 reviews)

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4.93

Based on 40,271 reviews, last reviewed 14th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

83% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Help ed me when needed with more money Help ed me when needed with more money Reviewed on: 14th October 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 (40271)

A great card

Having had a low credit score it was hard to get approved for a credit card, with Zopa I've been able to build my credit profile to the point where I am now in a good place with my credit score which has opened up other avenues of credit for myself. Reviewed on: 26th January 2022

Modem banking for credit cards

It’s like monzo for credit, a modem app based banking experience for credit cards Reviewed on: 26th January 2022

Amazing card never had issues!

Great card, good for building credit etc Reviewed on: 26th January 2022

No hassle

My experience with Zopa has been great. Easy to set up, no hassle and no spam contact that isn't necessary. Would highly recommend Reviewed on: 26th January 2022

Love it

Simple and easy to use, easy to make changes Reviewed on: 26th January 2022

Great app

The online app is great, it breaks down spending and sends updates of balance. I find it very user friendly. Plain and simple but effective Reviewed on: 26th January 2022

The best app to build credits

Zopa credit card is a lifesaver. I got the card when it is impossible to be granted. The company has helped me build up my credit and the interest is small and affordable. They deserve to be the best credit institution of the year Reviewed on: 26th January 2022

Great card

Easier to keep on top of what I need to pay or what I owe. Reviewed on: 26th January 2022

Great Service

The service offered is next to none with a lot of options. I've even opened saving pots which I thought were a great idea with good interest rates. They also offer good deals on broadband and energy bills. Can't fault this company for use of initiative and support. Thank you Zopa, hope our journey together is life long. Reviewed on: 26th January 2022

Easy to use, Easy to contact.

I opened the account. Very easy to download app and use. Card came through quickly. Friendly service. Reviewed on: 26th January 2022

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