Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41972)

So simple

Had the cards for a few moths now, easy to apply for and set up App, love the fact that get notifications when I spend on it makes me feel whole lot safer re fraudulent use recommend it to anyone. Reviewed on: 7th April 2021

Smart and efficient

Live and quick up to date information Very efficient accessing account and making payments Reviewed on: 7th April 2021

Good and helpful

Easy to use easy to understand good banking app for your phone or tablet. Good customer service Reviewed on: 7th April 2021

Excellent card good app

Excellent customer service Good app you have many ways to contact the bank This card is good as gold Reviewed on: 7th April 2021

Brilliant company

Zopa helped me and provided a fantastic service when other companies didn’t. Great to deal with. Reviewed on: 7th April 2021

Credit card

I have poor credit and being given a chance to rebuild via Zopa is a gosh send Reviewed on: 7th April 2021

Best bank

Zopa is very useful and affordable no extra ordinary charges Reviewed on: 7th April 2021

Excellent service

Zopa are a very easy to deal with company and made the process of getting a credit card with them straightforward even if you don't have a perfect credit score. Reviewed on: 7th April 2021

Clear, concise and trustworthy

To be honest to start with I was very dubious about using them as I had never heard of them before, but over the months I have alongside of confidence in them as a credit card company. Zopa has been amazing at keeping me up to date constantly, I always know where I am and what is happening with my balance, the security makes me confident using my card when buying online with its added security step, the app is easy to use, clear and consise. As a credit building card it is very good, by telling you every month how your doing, it has been a life line during these hard times. I have found them to be very trustworthy and clear right from day one. Reviewed on: 7th April 2021

excellent service!!!!

Very professional service always help customers excellent Reviewed on: 7th April 2021

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Clubcard credit cards
from Tesco Bank 3.98 from 325 reviews
Credit card
from Debenhams 2.40 from 13 reviews
Credit card
from Yonder 4.95 from 634 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5763 reviews
Smart Saver
from Zopa 4.94 from 7494 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub