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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)

Amazing Service

Very personalised service. Ease of use. Reviewed on: 25th January 2022

Money at my fingertips

Zopa has been so fantastic, I have also been able to increase my credit limit with them with ease. The app is super easy to use. Love my Zopa Reviewed on: 25th January 2022

Nice and easy

Nice and easy credit card and simple app. Helpful customer services. Happy customer. Reviewed on: 25th January 2022

Amazing credit

Even though its a credit card it doesn't feel like a credit card, the way they send statements to keeping you updated really doesn't feel like a credit card company, and I feel at ease having it, and the payments are affordable, and the way they remind you a payment is due and its a good few days before not a day or two. Would definitely recommend Reviewed on: 25th January 2022

Easy to apply and simple to use

Zopa was a very easy application process, nice and quick to go through and once I was approved, the app functionality is excellent. Would highly recommend. Reviewed on: 25th January 2022

My card

Easy to use and you get texts every time you use your card .Plus it the card keeps you on control of your spending Reviewed on: 25th January 2022

Breath of fresh air in banking

Easy to use and understand all the things you want in a bank Reviewed on: 25th January 2022

fantastic app and service!

Everything about zopa is convenient. Easy to use. Instant payments reflected on account and just super easy to manoeuvre. Reviewed on: 25th January 2022

Easy to apply and to use

I recently took out a credit card with zopa and found it really easy to apply. The card arrived a few days later. The app is really secure and easy to use. I'm over the moon with zopa's service. Reviewed on: 25th January 2022

Brilliant company

Supportive. Reliable helpful. Cannot fault them. Would highly recommend. You really feel like they have your back. Reviewed on: 25th January 2022

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