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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)

Excellent service

Excellent service, very easy to use app, very good communication Reviewed on: 26th January 2022

Fair, helpful banking!

I had my zopa card with a 200 pound limit, which was enough for me. I had financial difficulties for past few months and zopa haven't harassed me with threatening emails, I'm through it and my account is back on track now. Good company Reviewed on: 26th January 2022

Fantastic

Zopa was there when I needed help to pay some creditors. Other lenders let me down but zopa got me out of a hole and I'm extremely appreciative that they gave me the chance to show I'm good for credit. And pay on time what I use which has helped me increase my credit score Reviewed on: 26th January 2022

Good credit builder

The card has been good to build my credit and is easy to repay. The app is also very easy to use. Reviewed on: 26th January 2022

Would recommend to any one

Nothing is to much trouble Got my card on time Reviewed on: 26th January 2022

Love it so easy

Fab customer service I just love it Reviewed on: 26th January 2022

Young but Strong

Zopa are really good at being easy and simple to use and understand. I think they have potential to cover more areas such as Apple Pay and app updates but I have not had a bad experience and where they make mistakes they have looked after me. This was tested once when I asked to be refunded. Reviewed on: 26th January 2022

The best credit card

I like using credit card zopa because I can use the money as leverage to buy things now and pay for them later. Reviewed on: 26th January 2022

Zopa are great

I have had the best experience being a zopa consumer the app is really easy to use and the interest rates are great. Reviewed on: 26th January 2022

Pure clarity

Very straight forward, no nonsense & idiot proof ish. Lol Reviewed on: 26th January 2022

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