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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)

ZOPA IS DOPA

Best card ive ever had,easy and to the point app,just superb! Reviewed on: 25th January 2022

Slick

I've never had an application then delivery and use of a credit card...informative...credit building and an excellent customer journey :) Reviewed on: 25th January 2022

Credit security for second chances

I was at rock bottom. Mental Health at the lowest. I was getting to a point where I didn’t want to be around. The financial burdens, caused by stupidity and a lack of knowledge of credit in my twenties had added to the severe stress and anxiety I was suffering from in my early 30’s. Zopa, were able to grant me a small credit facility. This meant that for a couple of months, I could put additional funds towards other debt, and offset costs of food/fuel without fear. Nearly a year later. Almost debt free. Just the last couple of thousand to go. And I’m on the mend. I know my credit is a while from bekng where I want it, but Zopa literally saved me from hunger. Reviewed on: 25th January 2022

Good credit card

Zopa is a good credit card to help repair and rebuild your credit rating. All round good credit card . Reviewed on: 25th January 2022

Perfect

Highly recommended and over all 5 star service Reviewed on: 25th January 2022

Very good bank

Very good interest rate, Website easy to follow. Reviewed on: 25th January 2022

Great experience

Easy to use and messages coming at all times to keep me up to date Reviewed on: 25th January 2022

Gave me a helping hand

Helping me to improve my credit after a log of difficult years meant so much to me! Reviewed on: 25th January 2022

Superb service

Have had absolutely no problems with any transactions I have made , been really easy Reviewed on: 25th January 2022

Great bank dont let you over spend

Really good reminders and don’t let me over spend or extend my limits without telling me Reviewed on: 25th January 2022

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