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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41965 reviews)

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4.93

Based on 41,965 reviews, last reviewed 23rd Jan 2026

166400% 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

Very good service Very good service, never any need for calling them. Reviewed on: 23rd January 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

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41965)

Amazing

Gives people a chance to better their scores Reviewed on: 26th January 2022

Great service

Using zopa is easy, the customer services is great and responsive. Reviewed on: 26th January 2022

Love them

Excellent service. Had bad credit and couldn't find get a credit card. Zopa came through Reviewed on: 26th January 2022

Excellent Customer Service

Very simple and straightforward application. Zopa lends responsibly Reviewed on: 26th January 2022

Pain free and reasonable banking

Just an easy, pain free credit card with an actual reasonable APR which in this day and age is unheard of Especially when it comes to likes of people like me who are self employed and because of that don’t have the best of credit ratings and normally get stung with high APR cards. Reviewed on: 26th January 2022

Simple and easy

Simple and easy app to use and keep up to date with paymets and spending Reviewed on: 26th January 2022

Good credit builder

Great credit builder and app, lots of useful tips to keep on the right road to creditworthyness Reviewed on: 26th January 2022

Great help

Very easy to understand A helpful BANK!!!!!!! Reviewed on: 26th January 2022

Zopa banking

I love how easy the app is to use and how good they are at helping when needed I've recommended zopa to my sisters and they both love it Reviewed on: 26th January 2022

Fixed my life

I’ve used my card to fix my credit score massively, it’s made my life less stressful and put me back on track. Reviewed on: 26th January 2022

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