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Zopa: Credit card reviews

View other Zopa products
4.93
Based on 41,845 reviews, last reviewed 16th Jan 2026
77350% 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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0%
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0%

Latest highest rating:

5

I'm very happy with the service. I'm very happy with the service. After verification, the money was immediately deposited into my account. A very good bank. Thank you. Reviewed on: 16th January 2026
Sylwia Glawinska's avatar
Sylwia Glawinska

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 (41845)

Worth a Purchase

5
Got approved very easily, received my card in few days. App is really good and takes seconds to send and return payments. Highly recommended. Reviewed on: 16th February 2021
Usman Babar's avatar
Usman Babar

Excellent service

5
It was easy to sign up for and has been a great help. They provide a lot of financial support and the app is fantastic! Reviewed on: 16th February 2021
Leanne's avatar
Leanne

Excellent service and SIMPLE!

5
I've been a customer with Zopa for some time now and moved over to using their credit card when they were still testing out their service, even in the testing phase their service is miles apart from other banks I have used. Their customer platform is super simple, information is clear and no hidden charges! I would highly recommend Zopa to anyone Reviewed on: 16th February 2021
Kirsty Brecht's avatar
Kirsty Brecht

Disappointing

3
Very low credit limit. Maybe it will change in time. I always pay my credit card off in full. Maybe that's the problem? It's stepping stone to a better financial future Reviewed on: 16th February 2021
PerMarePerTerram's avatar
PerMarePerTerram

Good

5
For me, your credit card was more useful in this difficult time Reviewed on: 16th February 2021
Piratheepan's avatar
Piratheepan

Great bank

5
Zopa are great in all aspects you expect from a bank,brialliant customer service ,rapid responses ,deal with any query I need and have helped me massively with working with me and help bring up my credit ,10/10 Reviewed on: 16th February 2021
Timothy's avatar
Timothy

Easy to use Card

5
Easy to run by email / app / like the messages when you spend anywhere - Keeps you upto date on available credit! Reviewed on: 16th February 2021
Paul Broughton's avatar
Paul Broughton

Excellent

5
Brilliant service the app is so easy to use would definitely recommend Reviewed on: 16th February 2021
Danny's avatar
Danny

Zopa review

5
Helped me out when needed it thank you Reviewed on: 16th February 2021
Lincsking 's avatar
Lincsking

Helpful card to improve credit score

5
Been trying to repair my credit score. Zopa offer fantastic tools to help keep track on spending and stay within limits Reviewed on: 16th February 2021
Anthony weeks's avatar
Anthony weeks

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