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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
See only 5 star reviews
95%
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5%
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0%
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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)

Great company

5
Have a loan and credit card from Zopa. Best part is letting you know the success of your application without affecting your credit score. App for dealing with your account is great and they also send you reminders for payments due to come out of your account in advance which is always helpful. Once my loan was approved I was given a monthly payment date but you also get the option to change to a different date. Don't have a top end credit score but interest rates were much lower than other companies Reviewed on: 26th January 2022
Darren McKenna's avatar
Darren McKenna

Great credit and very easy app to use, excellent customer if you need to contact zopa.

5
Great credit and very easy app to use, excellent customer if you need to contact zopa Reviewed on: 26th January 2022
Daniel law's avatar
Daniel law

Excellent

5
Very easy application and a very fast response plus speedy delivery of the card Reviewed on: 26th January 2022
Kolyn mayall's avatar
Kolyn mayall

My review

5
It's fab ......................... Reviewed on: 26th January 2022
Donna Hart's avatar
Donna Hart

A-mazing

5
I more than a bank, I love the fact that they give notification each spend so you can keep an eye on balance as well as borrowing power and lots of deals. Reviewed on: 26th January 2022
Nicola McDonald's avatar
Nicola McDonald

Manageable Credit

5
With Zopa, I’m able to take control of my credit by using a cushion option. Reviewed on: 26th January 2022
Nacanieli Tupou's avatar
Nacanieli Tupou

Excellent service

5
Very easy to get credit card and give you a limit what you can afford so you don’t get in debt not like some companies who don’t really care if you can’t afford the debt or not Reviewed on: 26th January 2022
Marktaylor's avatar
Marktaylor

Excellent

5
It’s so easy for everything to use,talk too Reviewed on: 26th January 2022
Sue Ryan's avatar
Sue Ryan

Straightforward, easy borrowing

5
Zopa offers me a very easy to use and understand borrowing option. Can’t fault it! Reviewed on: 26th January 2022
Andrew Twaddell's avatar
Andrew Twaddell

I like Zopa

5
This sarvice is very good I’m happy with Zopa Reviewed on: 26th January 2022
Tasrick Ahamed's avatar
Tasrick Ahamed

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