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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)

No fuss credit card

From applying to receiving my card, it was all straight forward with no issues. The app is super easy to navigate and payments show that day usually which I really like. I have had a credit card in the past where the app was clunky and payment would show after 3 plus working days. Everything has been plain sailing. Would recommend. Reviewed on: 13th January 2023

It can be better

Ther is a lot of room for improvement, by this time into it , I don’t really know if I will recommend to anyone , but who knows maybe in the future I will … Reviewed on: 13th January 2023

The best card

Zopa card is the best card . Not take too much interest plus very easy . You can add. App and you can look everything. Very nice card Reviewed on: 13th January 2023

very easy to use

The app is very good and intuitive when paying for my credit card payment and very easy to use.It remembers my 3 digit authorisation code and the transaction reflects immediately, instead of a 3 day delay like a number of credit card providers, It remembers my details from previous payments so only have to click at most 5 times very quick. Reviewed on: 13th January 2023

Good company

I have never had a problem with Zopa, help me out when needed. Reviewed on: 13th January 2023

Brilliant company

Very good company no problems what so ever! Definitely will recommend to family and friends. Reviewed on: 13th January 2023

Not one problem

Never any issues, always answering any concerns I may have Reviewed on: 13th January 2023

Effortlessly simple!

Awesome! Great fluid app, easy navigation and totally transparent. Top marks! Reviewed on: 13th January 2023

Fantastic service

A great card that’s easy to use with frequent updates about billing etc . Reviewed on: 13th January 2023

Easy to use

Very easy to use and set up. Making payments easy and the online app is great. Reviewed on: 13th January 2023

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