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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 Starter Credit Card

I was approved for a ZOPA credit card 8 months ago and I can honestly say the whole process from beginning to date has been first class. Absolutely zero hiccups with the initial approval and set up, I was offered relevant products & an offering that suited my personal situation at the time and I have simply used the card as a monthly general spend card, paying off the balance in full at month end - ultimately to help improve my credit score. The app is incredibly user friendly & provides excellent information regarding my personal approval score, recommendations on actions to take to help boost my score and even recommends additional products that will help too! ZOPA has really helped me get my financial and personal details in order and assisted in tidying up my personal credit file! I would absolutely recommend ZOPA to anyone, in fact have recommended to a close friend already. Thank you for the terrific experience so far! Reviewed on: 26th January 2022

Just amazing

Zopa helped me through some tough time and when I needed it most. It monitors my credit usage and allows me to better maintain my credit limit. Interest is basically non existent if you pay on time and just overall excellent Reviewed on: 26th January 2022

Great service and very quick to apply

I love this company not only have they helped me improve my credit score I can controll my spending through the zopa app and also make payments very easily through the app aswell Reviewed on: 26th January 2022

No problems

I've had no problems and the app is so easy to use Reviewed on: 26th January 2022

Great service

Great service app is great always options for them to help Reviewed on: 26th January 2022

Credit card

Best credit card provider by far , easy app to use and very informative . Reviewed on: 26th January 2022

Best credit provider

Communication with Zopa has been excellent whenever I deal with them. Reviewed on: 26th January 2022

Amazing customer service

Whenever I have had the need to contact Zopa they have always been pleasant, helpful and understanding xx Reviewed on: 26th January 2022

Understandable credit

Communication is great along with the simple easy to follow monthly payments. The App is very helpful and helps you keep on top of your credit. Reviewed on: 26th January 2022

Superb

Easy to use app, very clear and message when spending on card is invaluable. Reviewed on: 26th January 2022

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