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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)

People who give you a chance

I don't have the best credit score and I did struggle to get accepted by many of the so called big brands then I found ZOPA who accepted me without any fuss I use the card and pay the bills which are easy enough to manage Zopa are a good company and offer a good service . Thank you Reviewed on: 26th January 2022

Great just great

Fantastic easily accepted really great credit limits comfortable limits aswell as repayments the customer care is brilliant and the app is so easy to use all in all a brilliant company Reviewed on: 26th January 2022

Excellent service

I love it. Card arrived super fast, app is user friendly and easy Reviewed on: 26th January 2022

Winner

It's easy and simple no hassle. From start to finish application check completed card arrived, activate and used.. Reviewed on: 26th January 2022

I do appreciate that I was allowed to get the credit card

The zopa bank and app is so easy to use allows me to check all details. Good of service Reviewed on: 26th January 2022

Life Saver

When I was struggling a bit and Xmas coming Zopa gave the helping hand I needed. Not too much credit for me to get in bad debt, but enough for me and my family/grandchildren to have a lovely Christmas. Reviewed on: 26th January 2022

Best card

Every time you use it you get a email from them which tells you where you used it and how much you spent and your new balance Reviewed on: 26th January 2022

Simple and really useful

A good credit card with a useful application working fine on my Android phone. Serves it purpose well - I am happy to recommend it after a year or so of using it. Reviewed on: 26th January 2022

All is needed for Credit company

Zopa are brilliant and very easy to use and deal with. They help you out and point things out to you asa a customer. Great service. Highly recommended. Reviewed on: 26th January 2022

They understand you always.

They always let you know your standards. Reviewed on: 26th January 2022

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