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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)

Best credit card I've ever had

Simple application, easy to understand and often updated conditions. Helpful staff members and easy to use! Reviewed on: 13th January 2023

Modern and fit for purpose

In a world where you can trust very little, Zopa gives the user a modern experience full of safety features. Reviewed on: 13th January 2023

Perfect for rebuilding credit

Zopa credit card accepted me when most other providers would not, due to poor credit history. The initial credit limit was small, so easily manageable, and over time this increased to allow me to demonstrate my credit worthiness. The app is very informative and clear. Reviewed on: 13th January 2023

Superb

Very good card, always get information about next payment, Reviewed on: 13th January 2023

Great card provider

The app is brilliant and helpful, quick service from the delivery and also always contactable Reviewed on: 13th January 2023

Zopa credit card

Superb company always keep you informed of how much you have spent and what you have left. Reviewed on: 13th January 2023

Amazing and helpful

I'm very happy with the choices provided, its very helpful and useful. They have an amazing helpline for costumers who need advice or don't know how to do something on the app. I recommend Zopa all the time! Reviewed on: 13th January 2023

Easy no silly lending amounts

After have a terrible experience with credit card debt in the past under step change I refrained from getting a card for many years I have a credit card with 300 limit which is always there if I ever need anything and haven’t got funds easy functional safe ! 10/10 Reviewed on: 13th January 2023

Communication good quick clearance of funds

Overall experience is very good especially clearance of funds same day availability Reviewed on: 13th January 2023

Everything I wanted from a credit card

Zopas app is very user friendly not like most apps which are not and everything about them is helpful and clear a pleasure to be part of this company would recommend to everyone Reviewed on: 13th January 2023

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