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Zopa: Credit card reviews

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4.94
Based on 43,299 reviews, last reviewed 8th Mar 2026
146600% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
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5%
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0%
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0%
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Latest highest rating:

5

Grateful to Zopa! Zopa issued me with their credit card with no problem when other issuers refused. Gave me the advantage of fee-free spending abroad. I also opened a s... Read more Reviewed on: 8th March 2026
Christopher K's avatar
Christopher K

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
Thobekile Nkomo 's avatar
Thobekile Nkomo
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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.

Review Zopa: Credit card now

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Zopa Credit card reviews (43299)

I'm very happy with Zopa.

5
Excellente service and thank you for your trust. Reviewed on: 27th January 2022
jo rib's avatar
jo rib

Zopa very good

5
Zopa very good and I recommend to all Reviewed on: 27th January 2022
bency babu's avatar
bency babu

Trustable, friendly.

5
I'm very happy with Zopa so far. They care about their customers. Helped me a lot. Reviewed on: 27th January 2022
Zsofi 's avatar
Zsofi

Brilliant

5
I can use the card anywhere, in shops, online, Reviewed on: 27th January 2022
marc manser's avatar
marc manser

User friendly

5
My 1st credit card provider and the best. Reviewed on: 27th January 2022
Niraj Gurung's avatar
Niraj Gurung

Great bank and excellent service

5
I have had the best experience so far with Zopa unlike other high street banks Reviewed on: 27th January 2022
Tony Anyiam's avatar
Tony Anyiam

Good but could be Great!

4
I think that having to try several times to register via app as there is a technical problem is a bit of a set back. However I am fairly happy with the service the Zopa provides. I would perhaps give an initial 3 months interest free period to incentivise people to get an account.... Reviewed on: 27th January 2022
Andrea Taverna's avatar
Andrea Taverna

Easy and straightforward

4
Zopa was a suggestion I found on my credit report. Having had bad credit in the past I never thought I'd get accepted. However, checking my eligibility was so easy and Zopa guaranteed I'd be accepted, which I was. I got my card within a week and the use the app to control my spending. Everything has been super easy. Very happy so far. Reviewed on: 27th January 2022
Lorna86's avatar
Lorna86

Efficient

5
Zopa is simple and easy to use, highly recommendable, Reviewed on: 27th January 2022
Stanley Appah's avatar
Stanley Appah

Very good bank and fast for transferring money

5
I am happy. Customer as I never had problems with this bank money transferring very fast app works amazing Reviewed on: 27th January 2022
Gabriele Solomon's avatar
Gabriele Solomon

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