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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)

Thanks

I like to say thank you you said yes when everyone said no Reviewed on: 10th January 2023

Best Card I've ever had.

Fast, efficient application process. Easy to use App (even for an 'old codger' like me), and prompt accurate information always available. Reviewed on: 10th January 2023

Simply amazing

Very happy and can suggest to everyone Reviewed on: 10th January 2023

Great Customer Service Experience.

Everything is superb. Very good. Reviewed on: 10th January 2023

Great service even better app

I really like the Zopa app, it is easy to see you remaining balance and how any extra repayments can have an impact. It’s really usually during the current cost of living crisis as it allows me to be money aware and look after my budgeting. Reviewed on: 10th January 2023

Best credit card provider!

It’s so hard easy to manage repayments, everything is displayed clearly and there’s always encouragement to make payment early. The financial health awareness is a plus! Reviewed on: 10th January 2023

Unprofessional

I got a credit card . Fraud on the card . First they give me the money then take it back . What company does this Reviewed on: 30th November 2022

BE AWARE

I got my funds withdraw on my instantmarchantpayment after the help of @shannifaiq on Telegram, he activated my account. My friend instantfunding account also got done too. Reviewed on: 11th September 2022

Low APR Decent Credit limit

App is good too - shame they don’t do current accounts! Reviewed on: 18th August 2022

More than just a credit card

Finding Zopa really helped me to get my finances under control from setting a cushion to help check my finance stability and keep payments under control and manageable. The app is super to use. Really impressive service from Zopa Reviewed on: 5th August 2022

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