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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)

Most easiest card to use

I have a couple of ceedit cards and find zopa to be the easiest one to understand and the flexibility of the card and repayment is fantastic I have recommended this card to more then one family member as other card companies can be miss leading. Reviewed on: 13th January 2023

Zopa

Does what it says on the tin, good credit card provider, could do with higher limits Reviewed on: 13th January 2023

Customer friendly application process and prompt response.

The application process was intuitive and easy to follow. Both the response and card also came soon after the approval. Reviewed on: 13th January 2023

Easy to apply and good customer service

It was easy to apply at the beginning. My experience with Zopa is good overall. After a few months with them, they've increased my credit limit, which is fantastic. Reviewed on: 13th January 2023

Great straight forward service.

Every part of the site navigation and the process is made simple and easy for great customer experience. Reviewed on: 13th January 2023

Great!

So easy let you know when you need to top up and top up is instant! Reviewed on: 13th January 2023

Value for Money

Zopa, have helped me gain a better credit report, keep track on everything I spend and notify me of when my payments are due, plus helpful tips on how to keep a good credit score. Reviewed on: 13th January 2023

Best credit card

Very easy to use in the app. Once payments are made your balance is updated immediately. Low interest rates. Zopa is a great company. Reviewed on: 13th January 2023

very efficient and cost effective

very helpful and satisfactory the app is very useful and good features Reviewed on: 13th January 2023

Brilliant company

I’m really happy with my Zopa account, the app is really simply to use, and really good customer service Reviewed on: 13th January 2023

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