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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)

Simple banking.

This is a great app to use, so easy to navigate and highly recommend it. Reviewed on: 25th January 2022

A friendly credit card

Easy to use , the app is simple but very informative, plenty of help if needed from professional, knowledgeable, and friendly staff. Thanks Reviewed on: 25th January 2022

Extremely good staff

Extremely good staff and always willing to help you no matter what the situation is Reviewed on: 25th January 2022

Great card

Really good card especially for someone with low credit to help with credit score build up. Reviewed on: 25th January 2022

Great provider!!!

Zopa give me a chance when all other providers wouldn’t. They have helped increase my score and made sure the product was affordable. They have made my life that bit easier and I can’t thank them enough! Reviewed on: 25th January 2022

Instant info.

Any transactions are confirmed in writing in seconds of completing the action. Brilliant Reviewed on: 25th January 2022

Easy and convenient

I love Zopa easy no hassle to use app works brilliant Reviewed on: 25th January 2022

Really accessible and easy to communicate great app too

From application to accessing my account zopa have made it easy and their app is extremely well set up and informative no complaints here Reviewed on: 25th January 2022

Great service, no hidden parts

I have other cards and always know where I am with Zopa. There are no hidden charges or surprises. Customer service is great with any queries answered within ample time. Reviewed on: 25th January 2022

Great!

Easy app, responsible lending, knowledgeable, great APR, clear emails and correspondence Reviewed on: 25th January 2022

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