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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)

Easy to set up

Card app very helpful when set up and only took a few days for card and pin to arrived very helpful Reviewed on: 31st March 2022

Chose correct

I thought I’d give Zopa a go as I was looking for a new credit card, I have to say amazingly simple right from the moment of signing up to how intuitive the app is. Instant notifications on usage and also recommendations on how you could use it better. So far over the moon Reviewed on: 31st March 2022

Easy and fast

Very fast and easy to work with the application I am very happy to use it Reviewed on: 31st March 2022

very good company.

what i was told is what happened very good. Reviewed on: 31st March 2022

Best credit card company

Zopa gave me the chance to apply for a credit card when no other credit card company would let me due to my credit score. Zopa are giving me the chance to build my credit score and I couldn’t be any happier. Thank You Zopa! Reviewed on: 31st March 2022

John's opinion

I've only been with Zopa a short time but I've found them very helpful and the only time I have spoke to them over the phone they have been polite and very helpful Reviewed on: 31st March 2022

Good Starting Limit Excellent Application

Very easy to use app and can get most of the stuff done via it. Called up customer care once for an address change and it took just 5 min tops (Including waiting time). Highly recommended. Reviewed on: 31st March 2022

Best company I have dealt with

I love having my zopa card the app is so easy to use and the reminders just before your payment is due is a great way of keeping on too of things Reviewed on: 31st March 2022

Love Zopa

Thankyou for all your support and help. Reviewed on: 31st March 2022

Not too shabby

Easy company to get a credit building card through, and I like their app. I have had a few issues with contactless payments or my card being frozen seemingly out of nowhere, but they've all been pretty easily rectified. Reviewed on: 31st March 2022

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