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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)

My summary

Excellent customer service and easy to use app from start to finish. I enjoy being able to get on the app and check my balance and pay my bill. Well done Zopa Reviewed on: 26th January 2022

A must have credit card

A credit card for those looking to build their credit score, or in a bit of a pickle with bad credit, this company will give everyone a fair shot, I got it as it’s a great company to increase credit score, and I recommended it to a close friend who hasn’t got a great credit score to get the ‘big companies’. Both of us have been over the moon with the service and simplicity of it all! Thank you! Reviewed on: 26th January 2022

One fo the best cards

It was very easy to apply for a Zopa card. The app is fit for purpose and customer service is very good. Reviewed on: 26th January 2022

Keeping control made easy

This card and app make it easy to use and stay on top of things..When you buy.. Ping.. Its off the available balance.. When you repay.. Ping.. Its back on the card.. No waiting for weeks. I love it.. Its the best Ping! Reviewed on: 26th January 2022

Great service

Zopa is really easy to apply and use. Fantastic service! Reviewed on: 26th January 2022

Great card

A great card the app is great easy and tells you everything you need to know without any hassle . Would highly recommend this card Reviewed on: 26th January 2022

Very clever concept.

a great idea when in a sticky situation financially, only downside is a payment every two weeks. Reviewed on: 26th January 2022

Fantastic bank ! Really helpful and on the ball

They have been fantastic with help and on the ball when I’ve had to deal with fraud , they got back to me straight away! Great customer care , which is something greatly lacking in banks today . I would recommend them to friends and family . So that’s a great big thank you from me Reviewed on: 26th January 2022

Brilliant!

Zopa is so simple to use and customer service is great. Thankyou Zopa. App is great too. No problems. Reviewed on: 26th January 2022

Easy to apply and great customer service. Can not thank them enough and also helps with credit ratings as long as you remember to pay in time.

Have had excellent service so no complaints from me. Reviewed on: 26th January 2022

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