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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)

Simply the best

Absolutely love Zopa! So easy to use, never had a problem abs I love the PIN number feature as I’m forever forgetting my pin. I would highly recommend Zopa to anyone. Reviewed on: 26th January 2022

Breath of fresh air

Zopa has been a good credit card for me it lets me be in full control of the credit and it’s easy to pay when I want. Bank statements are prompt and helpful. Only downside is that I can’t add my card to my Apple wallet lol. Reviewed on: 26th January 2022

Easy to apply

Very good service and professional Reviewed on: 26th January 2022

A good card to have

I had a really good experience and enjoy that gives me updates on my borrowing power Reviewed on: 26th January 2022

Excellent

I have a low credit rating yet zopa accepted me and are helping my credit rating go up as I use it Reviewed on: 26th January 2022

Super easy to manage

I love the app, it keeps you on track with your spending. Best card I’ve ever had Reviewed on: 26th January 2022

Outstanding service by Zopa.

From start to finish applying for a credit card was so simple. The service provided to date has been outstanding and access to the Zopa app makes things so easy in keeping track of transactions and payments. Reviewed on: 26th January 2022

Great Card

A card that allows you to control the amount of your credit you can use, so you can keep on top of your spending power Reviewed on: 26th January 2022

The best credit card ever

Is the best credit card i'be ever had Reviewed on: 26th January 2022

Easy to Use

Excellent card backed up a really easy to use app. It is virtually impossible to go overdrawn because it will always take the interest for the month plus minimum payment. No more going overdrawn because of interest! I can't tell you how happy I am with Zopa! Reviewed on: 26th January 2022

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