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Zopa: Credit card reviews

View other Zopa products
4.93
Based on 41,971 reviews, last reviewed 15th Feb 2026
166900% 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

Excellent service and best interest rates compare to... Excellent service and best interest rates compare to other bank. Helpful customer support team. Keep it up. Reviewed on: 15th February 2026
anant Varkate's avatar
anant Varkate

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 (41971)

Excellent service

5
Simple to use mobile app easy to apply for card and received quickly ,quick update when you use card of money spent Reviewed on: 26th January 2022
Bernie Smith's avatar
Bernie Smith

Finances simplified

5
Everything with zopa is strait forward, easy to use and understand. It’s also quick, like, if you pay money in it shows up strait away. You don’t have to wait a few days for you balance to catch up like other credit cards. Highly recommend zopa!! Very happy customer!! Reviewed on: 26th January 2022
Nichola 's avatar
Nichola

Zopa Quality

5
I had only good experiences with Zopa Reviewed on: 26th January 2022
maxine mead's avatar
maxine mead

Credit-card ease

5
A nice credit option, and possibly relatively new on the market, not a fussy looking card, but thorough, disciplined and a fair kind, not necessarily kinder, because i don't know them all, but certainly worthy of a handsome credit. Reviewed on: 26th January 2022
Jen xx's avatar
Jen xx

Seamless Service

5
Zopa provided me with an opportunity to get back on track with my finances, representatives were on hand throughout to answer my questions. The application process was very smooth and the app is easy to use. Zopa are a 'credit' to the industry, thank you. Reviewed on: 26th January 2022
JJ's avatar
JJ

Not just credit score

5
As a very credit worthy individual , who had his identity hijacked. Zopa saw me as individual rather than a credit score. Reviewed on: 26th January 2022
Andrew Haskins's avatar
Andrew Haskins

Best service ever

5
I have nothing but praises for Zopa. Zopa credit card is the best for anyone who wants to build their credit. With good and excellent customer service. Reviewed on: 26th January 2022
JONATHAN B Kashiri's avatar
JONATHAN B Kashiri

Easy to use app

5
Love the fact it’s all done on an app. Very easy to use, great communication and would definitely recommend Reviewed on: 26th January 2022
Liz Hogg's avatar
Liz Hogg

Great service

5
Helped me get back on track great way to build credit rating love Zopa Reviewed on: 26th January 2022
Donna 's avatar
Donna

User friendly, clear and concise.

5
Zoila we’re more than helpful to support and enhance my credit score, the service was clear and concise as well as very helpful to understand my requirements that suit my financial needs. Reviewed on: 26th January 2022
Ozzie's avatar
Ozzie

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