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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 and friendly servrce

Zopa have helped me rebuild my credit rating Reviewed on: 26th January 2022

Excellent

Everyone should get one great all round credit card Reviewed on: 26th January 2022

The best bank i have ever used.

I really love everything about Zopa,staff are very friendly and helpful,i know my account isn't 100 percent at the moment but it will get better. Reviewed on: 26th January 2022

Very good and detailed app

Very good easy to understand just wondering when my credit limit would go up Reviewed on: 26th January 2022

Customer focused

Very good company! Customer service was great when I have a fraudulent charge in my card! No hassle at all… easy to apply, easily to activate and easy to use Reviewed on: 26th January 2022

Great value

A very secure easy to use credit card Reviewed on: 26th January 2022

Understanding

Understanding, good to listen to the customer and helpful. Information and advice explained clearly Reviewed on: 26th January 2022

Best ever credit card

Love it how it’s all in a app and love the customer service Reviewed on: 26th January 2022

Simple and easy to use

Very easy to use and no surprise costs Reviewed on: 26th January 2022

A great credit card for building your credit score

Zopa has been brilliant for me, it great to be given a credit card despite my bad credit. Unlike other credit cards I had when I was youngers they made sure it was affordable for me and offer other ways of also building you credit. The card arrived quickly and the app it really easy to use to track your payments, viewing you balance and manage your card. Reviewed on: 26th January 2022

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