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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)

Not a good credit improvement card

I received a charge for late payment although I tried to make payment and the system was down. After contacting immediately the advisor would not remove the charge Reviewed on: 25th January 2022

Fantastic provider

Fantastic customer service really easy to manage great way to help people to get better credit score Reviewed on: 25th January 2022

Very happy with Zopa

Was recommended by a friend no problem’s with them so far Reviewed on: 25th January 2022

Easy to use,

Really good app, and never any trouble Reviewed on: 25th January 2022

Zopa

Easy to use, sends notifications when making a purchase and tells you have much you have remaining To spend. Let's you know how much your minimum spend is due and the amount. Also when you repay your balance, it goes on straight Away and let's you spend if needed. Best credit card I've had! Reviewed on: 25th January 2022

Anita B, a happy customer

Very professional and a super quick signing up response. The App is designed to be easy user friendly and quick in keeping me updated with all news, well done Zopa. Reviewed on: 25th January 2022

Great credit card!

Really great credit card, notifies you when payments are due which is great Reviewed on: 25th January 2022

Great service

Having never heard of Zopa until it appeared as a possible credit card I might be accepted for I thought I would try it. Great service, Reviewed on: 25th January 2022

great customer services

Very quick to inform you on your account situation , either in good or bad news Reviewed on: 25th January 2022

Fantastic to use

Bit slow on offering credit increases Reviewed on: 25th January 2022

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