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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)

Great credit company

Never had any problems and always informed Reviewed on: 13th January 2023

Outstanding finance

Happy with zopa they help in solving financial problem Reviewed on: 13th January 2023

Excellent

Easy to use with terrific customer support Reviewed on: 13th January 2023

Excellent company

I have had no problems with this company at all The app is very easy to use Very good company to deal with Reviewed on: 13th January 2023

No nonsense

Easy no nonsense low fees compared to some others Reviewed on: 13th January 2023

Easy to use, track your spend and give you that extra freedom

It had come in so handy as an emergency fund. In the current climate it had been a life saver. Reviewed on: 13th January 2023

Fantastic service

Applied and got accepted when I was turned down by others had a small isuue when I 1st tried to use my card but one quick call to the absolutely fantastic customer service team and I was up and running I would highly recommend zopa to anyone. Reviewed on: 13th January 2023

Zo fantastic

I love having this card for emergency unexpected expenses especially during this cost of living crisis. Very easy to apply for and fast decision. Reviewed on: 13th January 2023

Responsible lender

Applying on line was straightforward. Responsive to questions and queries. Reviewed on: 13th January 2023

No Hassle

Been with Zopa for nearly a year I personally have had no trouble with the company it’s be a good experience with them, always happy to help always at the end of the phone or email. Rates are perfect for people like myself, take no time in applying I’d definitely recommend Zopa to family and friends. It’s definitely a company that’s is straight down the middle with no hassle just how I like it. Reviewed on: 13th January 2023

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