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Zopa: Credit card reviews

View other Zopa products
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)

Outstanding

5
Very Good customer service , excellent experience, very good value. Reviewed on: 18th March 2021
Stefan Cirstea's avatar
Stefan Cirstea

Outstanding

5
Unfortunately after some difficult times I have found myself in debt (although paying them off I still find my credit rating to be extremely bad). I found myself applying for a zopa credit card to which I was accepted with a small credit limit of £200. I have only been impressed by Zopa. Their advisors are extraordinary and non judgemental, they really go above and beyond. I felt so at ease speaking with them and their application is so easy to work. With a glimpse of your credit rating and factors that go into it at a click of a button is amazing. It puts it all into one for me. I have never received such good service like it. I wish I knew about them from the get go instead of going with other companies to which I have had plenty of issues with and complaints not taken up. I feel like I’ve found myself a gold mine. The best most friendly company I’ve interacted with and I will definitely be with them for the long run whilst they grow and be spreading just how amazing they are. Once I pay off my other credit cards ZOPA will be the first one I’ll have no doubt about keeping an account open with. Happy to becoming a long term customer of theirs. There may be other banks chosen as zopa is not very heard of yet, but I want their company and their people to know that they ARE the BEST and they are the future. Their day will come. Thankyou for everything. Reviewed on: 18th March 2021
Dee's avatar
Dee

great app. , convenient and straightforward

5
good app , no issues , and importantly no connection problems, all helps to the good experience , why weren’t these guys round ten years ago Reviewed on: 18th March 2021
Mick Deadman's avatar
Mick Deadman

Excellent Card

4
Simple to use, great interface and easy to manage Reviewed on: 18th March 2021
Phil Woodhouse 's avatar
Phil Woodhouse

Excellent credit card

5
Transaction immediately show up on the app with instant text alerts, online transactions also need authorisation via text codes, would highly recommend zopa credit card. Reviewed on: 18th March 2021
Rob's avatar
Rob

Simple straight forward credit card

4
Nice snazzy card, relatively easy to use app, good communication . Reviewed on: 18th March 2021
Lloyd Jones's avatar
Lloyd Jones

Best Credit card

5
Easy application easy to use best card I have Reviewed on: 18th March 2021
Lesley's avatar
Lesley

Good app

4
I'm wryly happy with and I will definitely recommend to all my friends and colleagues, thank you for accepting me and I wish you all the best Reviewed on: 18th March 2021
Ionela zbranca's avatar
Ionela zbranca

Excellent

5
Excellent customer service, friendly and professional Reviewed on: 18th March 2021
Ali's avatar
Ali

Easy to use very efficient service

5
Just as above super wee card - no problems at all Reviewed on: 18th March 2021
Mary Parker 's avatar
Mary Parker

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