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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
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95%
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5%
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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)

Excellent and so easy to use.

5
Only company to trust me. Very easy to make payments reasonable interest rates. Reviewed on: 26th January 2022
Geoff Colbrook's avatar
Geoff Colbrook

Easy to use. They explain everything.

5
It’s helped with my credit score and provided me with a safety net for emergencies. It’s easy to then pay off. Reviewed on: 26th January 2022
Hollie kavsnry's avatar
Hollie kavsnry

Fantastic credit card

5
Great company with friendly helpful staff Reviewed on: 26th January 2022
Bryan Millan's avatar
Bryan Millan

Very easy

5
I find the Zopa credit card so easy to use and pay any funds I need to onto it. Zopa is the only card I know that funds are available instantly not having to wait up to 5 days. Reviewed on: 26th January 2022
Ken Brough's avatar
Ken Brough

Exellant

5
Everything you need from a card..easy to use and understand app, brilliant service Reviewed on: 26th January 2022
David parkinson's avatar
David parkinson

Really brilliant with service

5
It's great that no fees are added for going over limit. Sometimes it's hard to work out interest and charges but not with zopa it's brilliant Reviewed on: 26th January 2022
Maria Sheppard's avatar
Maria Sheppard

Exceptional benefits and service from zopa

5
When no one else would allow me to have a credit card, Zopa did. Zopa has a feature on their app whereby any purchase you make with the card will pop on your app almost instantly and let's you know how much you've already spent and how much you have remaining. It is also brilliant to build up your credit as long as you make sure you're paying back the minimum amount every month and not going over your credit limit you will be entitled possibly to credit limit increase I have had plenty of credit cards in the past however this has to be one of the best ones out there are. I can't possibly comment on the customer service this is because I have never needed any customer service from zopa due to them being so exceptional and their app has pretty much everything you need. This has to be one of the best credit card providers out there and certainly needs to win an award. Thank you Zopa you are a winner in my eyes. Reviewed on: 26th January 2022
Zara Shabbir's avatar
Zara Shabbir

Best ever

5
Very good service helped me out a lot and very easy to use Reviewed on: 26th January 2022
robhughes152@hotmail.com's avatar
[email protected]

Very easy to do everything in the app

4
I love how easy it is to make any changes on the Zopa app. Compared to other providers, you can literally sort any problem on the app rather than having to call customer services Reviewed on: 26th January 2022
Rafael Costa's avatar
Rafael Costa

Brilliant no fuss credit card

5
It’s easy to apply and easy to use. Always up to date the app is superb Reviewed on: 26th January 2022
c-tindall@sky.com's avatar
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