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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)

Easy apply

Very happy with zopa, it was easy to apply, and not had any problems with them Reviewed on: 7th April 2021

Very happy with service so far

I have had no issues with the app, my credit card and have been really satisfied with the service received. Thank you Reviewed on: 7th April 2021

Helpful, friendly and highly recommended

Zopa have always been a great help. My credit rating hasn’t always been great but they are helping me to improve this Reviewed on: 7th April 2021

Excellent Credit Card and App

Excellent app that allows you to manage your account and possibly improve your credit score Reviewed on: 7th April 2021

Straight forward

Easy to understand app and fast service when you contact them :) Reviewed on: 7th April 2021

Payments

When you make a payment it shows in your account almost immediately Reviewed on: 7th April 2021

Brilliant bank

Nice, quick and simple to use which is what you need in your busy day to day life style. Reviewed on: 7th April 2021

Excellent

Loan and credit card. Both very easy to manage: pay off early Staff always helpful. App very easy to use Reviewed on: 7th April 2021

Great company

I was looking for a credit card to help build my credit score, Zola accepted me and if December and my credit score is slowly coming together now. So thanks Zopa Reviewed on: 7th April 2021

The most understanding company

Truly the best and most empathetic credit card company I have ever come across Reviewed on: 7th April 2021

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