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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41949 reviews)

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4.93

Based on 41,949 reviews, last reviewed 20th Jan 2026

82350% 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

The rates are very competitive, the app is very easy... The rates are very competitive, the app is very easy to use and self explanatory Reviewed on: 20th January 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.

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Zopa Credit card reviews (41949)

Started with Zopa to build my credit score back up.

Started with Zopa to build my credit score back up. They are extremely helpful and suggest many ways to help you. Their advice is exceptional and has helped me greatly and would recommend them to anyone. Reviewed on: 16th January 2026

When i called i got great customer service

When i called i got great customer service Reviewed on: 16th January 2026

Had my card for a few years now and had a good exper...

Had my card for a few years now and had a good experience with them, Checking in when i was paying the minimum payments to see if i was of financially. Overall great customer service and good products with fair rates! Reviewed on: 16th January 2026

From the moment zopa was recommended to me,to the mo...

From the moment zopa was recommended to me,to the moment it arrived it has been a seamless company to deal with.i had a few issues registering the card,went into the app and I waited no more than 5 mins for live help with a human instead of bot chat. They were so nice and no language barrier and explained everything ,step by step. So far I'm very impressed. Reviewed on: 16th January 2026

Zopa a great choice

They offer amounts that are suitable for you,they are easy to deal with and l have complete confidence in them and they always give details on one's spending. Reviewed on: 16th January 2026

I have never had any issues or problems with Zopa an...

I have never had any issues or problems with Zopa and when I needed to move my payment date again no issues and very easy to do. My statements come in regularly making everything clear to me. I’m really happy with Zopa. Reviewed on: 16th January 2026

I have not had any issues with Zopa, as their compet...

I have not had any issues with Zopa, as their competent staff is always at hand to answer any queries. I just wish the credit limit will be increased Reviewed on: 16th January 2026

No fuss.

No fuss.Bang upto date and flexible with an easy to use app this is not just a credit card and Zopa can offer far more. Reviewed on: 16th January 2026

Excellent

Good deals with hood outstanding products Reviewed on: 16th January 2026

Very impressed first time customer.

As a first time customer, Zopa has been really amazing. Their app is very easy to navigate, very good interest rate and repayment options, great consistent communication and convenient. Love the many perks that come with the credit card as well. Reviewed on: 16th January 2026

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