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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.

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Awards

Best credit card provider 2025

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

Zopa Credit card reviews (41972)

The best ever credit card

This credit card is the best credit card I have ever had in my life, low fees ,easy to manage ,easy to get it. Reviewed on: 13th January 2023

Simply useful

ZOPA gave me the opportunity to show I can manage credit when other cards wouldn't - thank you ZOPA! Reviewed on: 13th January 2023

Good customer service

They keep you informed over everything and upto date Reviewed on: 13th January 2023

The best I have come across

Zopa has allowed me to take advantage of a balance transfer which is the first time a credit card provider has given me this opportunity. In hard times it helps and is appreciated They have also given me a manageable credit limit and the credit cushion is just a great idea! Reviewed on: 13th January 2023

Fantastic card

Easy application process And fast delivery of card. Able to control and manage card from the app its great Reviewed on: 13th January 2023

perfect company

perfect for credit building , don't up your limit if you haven't paid things . Responsible lender Reviewed on: 13th January 2023

Great communicators

Regular emails which has been helpful Reviewed on: 13th January 2023

Helpful and kind

Very helpful over the phone.as I was unable to something and they soon helped me to sort it out I got straight through to them and the guy was very understanding and very nice and helpful to me Reviewed on: 13th January 2023

Easy application process

The application process was quick and simple and I was approved within half an hour and my account was all set up. The interest rate offered was great. The app is very user friendly and smooth. Reviewed on: 13th January 2023

Brilliant

Very reasonable rates and very easy to communicate with always updating you on any changes etc Reviewed on: 13th January 2023

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