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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)

Great service, no problems whatsoever

I've been with Zopa for some time and have had nothing but too class service, immediate help when needed, and no issues at all. Would happily recommend them to family and friends. Reviewed on: 26th January 2022

fantastic for credit bulding

brilliant Reviewed on: 26th January 2022

Satisfied customer.

Fabulous service and very straight forward. Reviewed on: 26th January 2022

Very Pleased

Straight forward, fantastic app. Great customer service. Reviewed on: 26th January 2022

Almost perfect

I have an easy experience with Zopa, they have a great app and support my credit building well. I think that in order to be perfect, Zopa would lower their interest rates to support people who are trying to correct their credit and do so in an affordable way. This way, they’re really operating with their customers benefit in mind. Reviewed on: 26th January 2022

Awesome Customer service

Excellent customer service, great user-friendly interface. Zopa is my first credit card and I have been able to manage my finance with the low credit limit I was awarded, I hope to get an increase in my credit limit in 2022 as soon as possible. Thank you Zopa Reviewed on: 26th January 2022

Great service, easy to use

A really easy experience. Fast application process. Got my card quickly. Activation and PIN done on the app. Transaction notifications toy phone instantly when I use the card and instant updates on the app when I make payments. A must more fluid system than other cards I've used. Reviewed on: 26th January 2022

Fair

The bank is fair and there credit card is very good Reviewed on: 26th January 2022

Great Service

Had a good experience with Zopa so far, always accurate on statement and always keeping me aware of up to date payments Reviewed on: 26th January 2022

First class

Great customer service and always kept up to date with offers and how my account is looking Reviewed on: 26th January 2022

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