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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 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

95%

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

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 (41972)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Zoos credit card

Fantastic credit card so simple and easy to use great starting credit limit was very impressed Reviewed on: 16th January 2026

Fast response rate, reliable, informative.

Fast response rate, reliable, informative. Reviewed on: 16th January 2026

A simple and easy process and the app makes keeping...

A simple and easy process and the app makes keeping an eye on you spending so much easier Reviewed on: 16th January 2026

Never had an issue they keep me updated on any incre...

Never had an issue they keep me updated on any increases and any changes to my direct debit plan .Inform me of any rewards that they offer over a great service Reviewed on: 16th January 2026

Zopa, good job

I can do everything I need online without any problems Reviewed on: 16th January 2026

Helpful bank no extra charges many times I used limit.

Helpful bank no extra charges many times I used limit. Reviewed on: 16th January 2026

Excellent all round the perfect credit card and app

Excellent all round the perfect credit card and app Reviewed on: 16th January 2026

Clear and precise notifications.

Clear and precise notifications. A no fuss credit card. Reviewed on: 16th January 2026

The ZOPA credit card allowed me to improve my credit...

The ZOPA credit card allowed me to improve my credit history. The credit card offers affordable interest rates. I highly recommend it and thank you. Reviewed on: 16th January 2026

Very good customer service always

Very good customer service always Reviewed on: 16th January 2026

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