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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)

Credit done right!

I have had a great experience, I like the card, love the app, it let's you manage your money in real time. Great APR and a really easy application. Definite recommendation from me. Reviewed on: 25th January 2022

So easy to manage and low interest rate

Easy to manage through the app, messages to tell you when you’ve spent, how much and huw much left. Reviewed on: 25th January 2022

Great company!

A great company. Great customer service and overall great credit score builder! A+++++ Reviewed on: 25th January 2022

Working Progress

Working Progress on the road being the best at what you do. Reviewed on: 25th January 2022

Great Credit

This is a great credit card and when you make payments it goes onto the account immediately instead of waiting a couple of days which is really helpful Reviewed on: 25th January 2022

Can't fault them at all

Good credit limit to start and quick to acknowledge on time payments and management of account with credit increase. When making payments to the card they are on within a couple of minutes no matter what time of day you put them on. Good customer service department (only called once) and solved a query very quickly. Can't honestly find fault at all. Reviewed on: 25th January 2022

Brill

Amazing service. Easily accessible Reviewed on: 25th January 2022

Excellent card

Used zopa for a year now and never had any problems Reviewed on: 25th January 2022

Zopa go above and beyond

Zopa has helped me build my credit score with help all the way on how I use my card now to how I was using it and all staff have a excellent knowledge of what they are talking about and a pleasure to deal with Reviewed on: 25th January 2022

Good bank

Since I have had the zopa card it's been easy to use and the app is brilliant and easy to understand Reviewed on: 25th January 2022

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