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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41969 reviews)

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4.93

Based on 41,968 reviews, last reviewed 11th Feb 2026

166600% 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

Affordable rates easy to use app Affordable rates easy to use app Reviewed on: 11th 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 (41969)

Review of the Zopa, Credit card:

Fantastic

Very good customer care and services Reviewed on: 11th April 2023

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

Good Card, great customer service, fair interest rat...

Good Card, great customer service, fair interest rate and easy and clear to make repayments. Reviewed on: 16th January 2026

Quick and easy

Quick and easy to apply app is really easy to navigate Reviewed on: 16th January 2026

I like Zopa as it’s helping me to rebuild my credit...

I like Zopa as it’s helping me to rebuild my credit score Reviewed on: 16th January 2026

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