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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)

I recomend, nice

Very nice bank Zopa! I recomend, wonderful Reviewed on: 25th January 2022

Easy

Very easy to use App and setup the credit card, clear information about the product, setup of payments and direct debit is very straightforward. Reviewed on: 25th January 2022

Good service

I am happy with the service, easy to manage Reviewed on: 25th January 2022

The best ever credit card with professional services, well done to Zopa, outstanding!

Nice and easy to keep updated with lots of advantages, well done Zopa! Reviewed on: 25th January 2022

Really good card helps build credit also

Excellent company. Card is easy to use and account app even easier Reviewed on: 25th January 2022

Neat and available

Cool and handy. Neat and available Reviewed on: 25th January 2022

So easy and straightforward

So polite and friendly easy to get things done Reviewed on: 25th January 2022

Great

Is great to have a zopa credit card is trust and I recomand 100% to all my friends Reviewed on: 25th January 2022

Simple friendly borrowing

I have been using zopa for roughly 6months and its such an easy way to borrow money. The card arrived quickly after approval and the app is so so simple to use with all information at your finger tips. Reminders when you bill is due and gives you 3 options of payment which is great if some months you can't pay off your limit (something I consciously do to control my borrowing) My limit was roased but I was given the option to refuse it with not obligation to take it. I had a month to decide if I wanted to or not. Over all I would recommend zopa to anyone who has a low credit score and needs a little help. Great great service thanks Zopa Reviewed on: 25th January 2022

Absolutely fantastic Bank

So many options this bank offers you. Support is second to none. Wouldn't bank with anyone else Reviewed on: 25th January 2022

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