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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.

Review Zopa: Credit card now

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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)

Brilliant

Never had any issues and they only give you credit that you can afford no ridiculous amounts which you and they know you'll struggle to pay Reviewed on: 25th January 2022

Zopa forever

I have found the best credit card for me. Easy to understand and use, and the app keeps me on track of my expenses. Safe and secure to use. I never encounter any problem at all with Zopa. Reviewed on: 25th January 2022

Perfect Credit Card

I love the instant payment system. When you make a payment, it only takes a couple of minutes for the payment to clear and even start using the card straight away. What an amazing credit card! Reviewed on: 25th January 2022

Easy to use

The app is really good and provides regular updates Reviewed on: 25th January 2022

Very good service

Best service and good rates . Highly recommended Reviewed on: 25th January 2022

Great Card for getting what i want

This is a Great Card , for using when I'm needing to and it'll help build my credit rating , I've used it a few times with not 1 problem at all its helped me purchase a few items when i never had any cash available to me , id like to say thank you to everyone involved in Zopa Credit Cards Thank's alot for giving me the opertunity . George. Reviewed on: 25th January 2022

I appreciate

I like this bank because when I need she was there with me. Reviewed on: 25th January 2022

If carling made credit cards .

Amazing. Gave me a Fighting chance to get myself on the credit ladder. Nice one Reviewed on: 25th January 2022

Excellent customer service

Customer is always put first, excellent customer service and guidance, the new banking kids are here!! Reviewed on: 25th January 2022

Credit rating improved.

I've had a really poor credit rating for the last 20 years as I moved from one insecure job to another. It was so bad I couldn't even get a home broadband. Last year I secured a job with good prospects and Zopa accepted my credit card application. I have to say that they are an excellent company. I have a credit limit of £500 which I have never gone over and having the app I can see my spending, my statement and it makes it so easy to pay off what I owe. My credit rating has improved significantly and I'm going to be applying for a mortgage at the beginning of April. All because Zopa took a chance on me which am incredibly grateful for. Thank you Zopa! Reviewed on: 25th January 2022

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