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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41970 reviews)

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4.93

Based on 41,970 reviews, last reviewed 13th Feb 2026

166800% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Zopa is there when you need it! Zopa is there when you need it! Very professional, helpful and prompt. Reviewed on: 13th February 2026

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

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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.

Awards

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41970)

Review of the Zopa, Credit card:

Credit card

This is excellent and os fast Reviewed on: 11th April 2023

Excellent app credit card and loans speedy

Excellent app credit card and loans all in one place ! Reviewed on: 17th January 2026

Easy to use application process and the app is very...

Easy to use application process and the app is very user friendly Reviewed on: 17th January 2026

Gave me a credit card when i was really struggling b...

Gave me a credit card when i was really struggling before christmas and saved my christmas Reviewed on: 17th January 2026

Had Zopa for a few years now.

Had Zopa for a few years now. Always been great. No hassles Reviewed on: 17th January 2026

Very considerate and caring when.

Very considerate and caring when. Was late making a payment due to the passing of my mum Reviewed on: 17th January 2026

All super smooth, app is great, application swift an...

All super smooth, app is great, application swift and clear. Not had to call to speak to anyone either so it must just work. Reviewed on: 17th January 2026

All over good and excellent service

All over good and excellent service Reviewed on: 17th January 2026

Excellent service would recommend to a friend

Excellent service would recommend to a friend Reviewed on: 17th January 2026

Peace of mind

Their backup support is fantastic, which gives you peace of mind. Reviewed on: 17th January 2026

Satisfaction

My experience with the Zopa card has generally been positive. The app is easy to use, repayments are clear, and I like how transparent the interest and fees are. Customer support has been responsive when I needed help. There are a few areas that could be improved, but overall it’s been a reliable card for everyday use. Reviewed on: 17th January 2026

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